23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over a couple or a few years ago, I did have a medical debt, in which was paid. I had insurance, and i am in fact an XXXX   XXXX  with the State of IL. I spoke with this collection agency Associated Collectors, and they said that this was a mistake ; and that they were going to get this taken care of. They specified this and more all on RECORDING. I have the recording and I am going to use it in court, to sue them. If this is not deleted, i hope this messages gets to them. I will sue with this recording, because they are breaking some sort of laws, there is not doubt in that. 

I have disputed it with the credit bureuas and i have sent a debt validation letter to them directly. Actually two of them. I have included the certified mail receipts to this email, and next, if not deleted, i will file suite with the recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was pulled without my permission on XXXX XXXXXX/XX/2023XXXX XXXXloan expert did not ask when he pulled credit. Now I have more inquiries than I was supposed to. Effecting my score. XXXX XXXX Equifax XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. It has been 30 days and I havent received a response. I feel like Im am being taken advantage of and being ignored. Section 611 ( a ) it states that a failure to investigate those items within 30 days is a automatic deletion from my credit report it has been 31 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Also my information was impacted by the XXXX data breach and may have got into the hands of the wrong individual.
Product: Payday loan, title loan, or personal loan

I have been a customer with XXXX XXXX for close to a year. I have always had scheduled payments on time. I took out a loan in XXXX XXXX in the amount of {$800.00} with my first payment being on XXXX/XXXX/XXXX of {$210.00}, since then I have been making payments via checking account of {$210.00} every 2 weeks. I recently had a schedule payment on XXXX/XXXX/XXXX in the amount of {$210.00} in which I expected to be withdrawn as agreed but did not. XXXX XXXX had authorization to withdraw on that day and it did n't happen. The money was available on the account as it was not in negative status. I did not get any insufficient funds notice from my bank and did n't know the money was not withdrawn until the following day when I received an email from XXXX XXXX to call immediately because my payment is past due in the amount of {$840.00}. My initial loan was {$800.00} and I have already made 5 on time payments. I called immediately in which the recording continue to say " all agents are busy assisting other customers '' I called all day and would continue to get the recording and not a live person. In one of the emails sent It mentioned to reply to the email in which I did reply but did n't get any response just a repeated pre typed email. I feel like this is a scam and tactic in getting more money.
Product: Credit card or prepaid card

Account Number : XXXX Payments and Other Credits XX/XX/XXXX XX/XX/XXXX PAYMENT - THANK YOU XXXX - XXXX XX/XX/XXXX XX/XX/XXXX PAYMENT - THANK YOU XXXX - XXXX TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD - {$1500.00} Finance Charge XX/XX/XXXX XX/XX/XXXX PURCHASE *FINANCE CHARGE* XXXX TOTAL FINANCE CHARGE FOR THIS PERIOD {$18.00} - Paid off account on XX/XX/XXXX. 
- XXXX charge on XX/XX/XXXX. 
- Contacted bank and discussed same. Told that finance charge/s will drop after 3 additional billing cycles. 
- Understand what you said. But, balance is XXXX on XX/XX/XXXX. Why the finance charge on a XXXX  balance? 
- Request response to help understand. Thank you.
Product: Bank account or service

I am filing this on behalf of my mother, who is incapable of using the computer. My mother is the victim of identity theft. My mother has been sick and hospitalized over the past year and had been cared for by an aide with whom she became " close '' with. She trusted the aide implicitly and gave her full access to her apartment. My mother is frail, has much trouble in XXXX, and is XXXX. Besides her physical problems she has been hospitalized several times when her XXXX XXXX spiked due to anxiety It was a shock when my mother was informed by the Bank of America in XXXX, 2015 that her account was overdrawn and there was a list of suspicious checks that did not seem to be hers. When I came down to help, I identified even more checks that were appeared to be forged. All of these checks were made out to the aide 's name or to " Cash ''. 
While I had numerous conversations with bank employees and filed reports of these checks since XXXX, the bottom line is that the bank denied our claim. Their explanation was " timeliness and same wrong doer ''. According to the bank, the claim had to be first made within 60 days of the first suspicious check, which was in XXXX, 2015, as that would have prevented any of the other forged checks to follow. 
The problem for us is that my mother had no reason to suspect foul play and had not looked at her statements. She was in a vulnerable state and just worried about her health, so she was not focused on her bank statements. She was trusting that everything in the part of her life was fine. No one in the family suspected the aide and this was a shock to all of us. This is not uncommon for victims of exploitation, and it is why we depend on banking institutions to compare signatures.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Due to XXXX I had to go onto a forbearance on my mortgage with XXXX after I lost my job. During that time I continued to pay my escrow which is around {$1000.00} of the {$2500.00} mortgage payment. Each month my payment was not being posted. I had to call the organization monthly to ask that my payment be posted to my escrow. It just sat in my escrow account and was never posted as a payment, and did not reduce the amount of what's owed on the forbearance. So now I have a large amount of money ( {$12000.00} ) doing nothing for over a year. I could have invested it, or it could have been posted, so I owe less on my forbearance but that did not happen. I have called the organization probably 50 times now, having to spend about 25 mintues each time getting identified and telling my story over and over again to folks who just kept putting me back into a process, that keeps failing and they wont assign anyone to be accountable. I cant reach back to any of the supervisors I already spoke to... I was promised calls back from one supervisor in particular and that call back never happened. I just called again this morning, and they are telling me this wont be addressed until end of XXXX, which means I go through XXXX with no money. I also cant pay my mortgage, and they promised me they would waive the late fee in XXXX as I waited for my check, yet I was assessed another late fee. We are talking about a lot of money that I need during tough times. I am struggling to put food on my table and now I worry about XXXX and what I will do for money there. If I got this funding back, I could pay all my bills, reduce my credit debt, and be able to provide a XXXX for my family. Can you please help me?
Product: Mortgage

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ They are still doing this they take a {$500.00} fee, and you never here from them again, or they just tell you your property doesn't quailify. Of coarse the keep the money Told me it would be refunded in 7-10 days that didn ; 't happen told me to have the bank reverse the charges I did that, and they filled a claim to prevent it.I 's all baseed on lies.They took money out of my account on the XXXX XXXX XXXX https : //www.consumeraffairs.com/finance/amerisave_mortgage.html. just read the complaints it's wide spread fraud again.Same people smae fraud a different year.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have violated various laws under the FCRA, and I am looking into seeking litigation as you are not taking my disputes seriously. 
FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files. 
FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Dept/Aidvantage Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment XXXX different years, Balance update Instruction : Please update payment history current/never late or deleted the account The list of inaccurate information : TransUnion mail dispute results on XX/XX/XXXX. The investigation results verified as accurate XXXX XXXX 90 days late XXXX XXXX 90 days late XXXX XXXX  120 days late XXXX XXXX 120 days late XXXX XXXX 120 days late Transunion Date of last activity XX/XX/XXXX Transunion Balance updated XX/XX/XXXX XXXX email results on XX/XX/XXXX, the investigation results verified as accurate. They added a late payment XXXX XXXX  90 days late XXXX XXXX  120 days late XXXX XXXX 150 days late XXXX XXXX 180 days late XXXX Date of last activity XX/XX/XXXX XXXX Balance update XX/XX/XXXX PLEASE SEE ALL ATTACHED DOCUMENTS!!!!
Product: Checking or savings account

There is fraudulent activity at PNC that is using my personally identifiable information. 

I have been working with PNC and CFPB regarding suspicious activity. I initially contacted PNC on XX/XX/2022 and again on XX/XX/XXXX when there was no follow-up. I then opened a case XXXX w CFPB on the XXXX of XXXX when it was apparent I needed an advocate. PNC, XXXX XXXX, contacted me on the XXXX of XXXX. XXXX assured me that issue was resolved and that I would not receive any further communication related to these accounts. 

I have in fact received XXXX more letters regarding these accounts the latest sent the XXXX of XX/XX/2022. And, it is now obvious to me these are fraudulent accounts. The most recent notice is from a third party with same name and address that is on PNC accounts. 

I am opening a new case for XXXX reasons. First and foremost is the fair resolution expected has changed given these are fraudulent accounts. Second, I have no way to update the existing case.
Product: Credit reporting or other personal consumer reports

They reported my account as missing payment and past due when I recieved a letter telling me it was due XXXX on XXXX. Then on XXXX they sent me a notice saying my payments were due on XXXX and that my payments were XXXX  days late on XXXX of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

tried to set up free monitoring with Trusted ID that is being offered due to Euifax security breech. Had a problem trying to do this online and contacted Equifax. They explained that they were having a issue with my web browser and a few others and referred me to a number for Trusted ID. Called that number and was given another number and the loop began. The final answer is that no one can or is willing to assist consumers like myself who ca n't register for this FREE service this is only needed due to a problem that Equifax created.
Product: Credit reporting or other personal consumer reports

I have disputed multiple accounts on my credit reports for inaccurate information. XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX are all inaccurate and were returned as " verified '' with no further information provided. I have tried to dispute this inaccurate information multiple times, and nothing ever changes. This has been going on for many years.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Credit card

All fraudulent accounts for 2 Capital One Credit Cards Please help.

one balance is over {$5000.00} and the other is over {$1000.00} Please help me with removing these fraudulent accounts.
Product: Bank account or service

I made a mobile deposit through Wells Fargo XXXX/XXXX/16 for {$1000.00}. On XXXX/XXXX/16 there was an hold placed on it stating they are getting a refer to maker error when attempting to pull the funds. I contacted XXXX XXXX retirement who issued the check and after looking into it they stated they see nothing wrong with the check and that my bank should have been able to pull the funds. After contacting Wells Fargo and informing them of this they are still stating that they are unable to access the funds. I requested that they release the check so it can be returned to XXXX XXXX so they can issue me a new check but Wells Fargo is stating that it was put into on a 5 day hold and nothing else can be done until XXXX/XXXX/16. My problem is that if the issuing party claims there is nothing with the check something must have went wrong when my bank processed it but they are refusing to do anything about it and no one can tell me what is going on which is very concerning to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by XXXX/Carite markedXX/XX/XXXX on my XX/XX/XXXX report. I tried to contact XXXX/Carite directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to XXXX/Carite XX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX
Product: Mortgage

Reference your complaint number XXXX. In reguards of this reference number, Bank of America ( XXXX ) Account, Bank of America Credit Card Account, Bank of America Home Loan, Bank of America Merchant Account, Regions ( XXXX ) Account, XXXX XXXX Account, XXXX Account, XXXX XXXX Account. This Accounts are in My Name The banks try to compromise my bank accounts along with my credit card accounts. My payments for all my accounts are paid promptly. Documentation for I my accounts have been approved and verified. Documentation provided physical address and contact information for Deposits in my XXXX Accounts. I have all credential and creditation for all my Accounts. I have made payments for all my Accounts, I have a hold on my accounts, try to compromise my account.The payments Deposit a hold was placed on the account. Some payments were reversed.I have proof of payments, and contact verification, physical address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sign into my XXXX XXXX account to update personal information and just look at loan possibilities offers. 
I never requested any loan or gave information for the two companies to check my credit scores or completed a application for the loan. 
I received a email from the companies that I was not approved for a application I never applied for which did a inquiry on my account and credit score.
Product: Mortgage

I have a FHA mortgage with said company. The loan is escrowed for taxes and insurance. Annual insurance was due XX/XX/XXXX. The insurance was not paid and I was not informed until I received a notice to cancel from my insurance. I immediately called my insurance company to find out if they had not sent bill to bank. They informed me they had sent them 3 requests for payment with no response. I then called the mortgage company who had no idea why it hadn't been paid. The woman put me on hold and came back moments later saying she called and did a payment and had our late fee waived. At this point I thought we were all taken care of. Then I recieved a letter dated XX/XX/XXXX from the mortgage company stating I failed to keep insurance on the property and due to insurance cancelation they had placed forced insurance on our property until we obtain proof of insurance. I immediately called the insurance company again. They stated that the payment from the bank never came through. I called the bank back once again and was told that they refused to pay the premium out of our escrow. They mentioned something about our house being under construction so they would not pay the policy. I then asked them how that is possible considering that we moved back into our home XX/XX/XXXXXXXX  and they had their evidence of completion and had released the final insurance claim funds to the contractor which confirmed that the home was completed. Either way under construction or completed you still have to have insurance on the property. She said there was nothing she could do about it that we would have to get insurance again. I spoke to my insurance agency again and they informed me that they could not re-instate our policy nor could they find a insurance company that would write us a policy due to the recent fire claim and a canceled nonpayment policy. Now we can not find any insurance company to cover us leaving in a horrible situation. Here 's the " this doesn't make sense '' part. 
Our home burnt down XXXX XXXX. They paid the premium for insurance in XXXX XXXX  ( with no home on property ), but then refused to pay XX/XX/XXXXXXXX  premium that actually had a home ( a brand new home ) on the property.
Product: Credit reporting

I have several inquiries on my transunion credit report that are inaccurate.
Product: Credit card

The account is charged off with a past due balance..Not only is this inaccurate information, I was also never sent a 1099C form as required by law for the written off debt to be counted as income.This debt is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit reports.
Product: Credit card or prepaid card

I have previously filed a complaint due to this company refusing to close my account and send me a closed account letter I sent a copy of my ID SS CARD AND UTILITY BILL I have proof it was sent and received through mail and email that asked me to send my personal documents I did and they still refused to close my account I 'm never going to use my card from Costco and it being open makes it prone to thefts or etc I might have to take legal action because they received my personal information and keep asking me for the same documentation and not closing my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened an account with XXXX bank in XX/XX/XXXX. My former employer wrote bad checks to me and never paid the fees with them resulting in me having to close my account because at the time I couldnt afford to pay the {$75.00} in bounced check fees. Fast forward to XX/XX/XXXX and I am still getting denied bank accounts due to this incident that happened 9 years ago. XXXX has reported this to ChexSystems and entered it in XX/XX/XXXX. 6  years after the fact. This is to my knowledge illegal. I would like assistance to help with my case.
Product: Debt collection

Had an account with XXXX XXXX for water delivery that I cancelled XX/XX/XXXX. I had filed for bankruptcy in XXXX and was approved. No mention of this debt was reported then. Now XX/XX/XXXX Collection Bureau of America has opened a collections on this same account. I have not received anything regarding what the {$550.00} is for, nor have I received any contact regarding this. All I get is continued notifications that my collections account balance has increased through my XXXX XXXX account. 

My collections account with CBoA is listed as open, for an account with a different company I closed 4 years prior. Why I would owe {$550.00} for the 2 jugs of water I used to get every 2 weeks is beyond me. I would at least like to know what it is for, why I have not been contacted, and how a balance on an account like this keeps going up and remains listed as open. 

CBoA should be able to provide an itemized list as to what the amount owed is for. It is not fair to ask someone to pay for something with nothing to show as to why. {$550.00} for water is already a red flag, that's ridiculous. If I owe an amount I want to pay it and have it settled, but let that amount be fair and itemized so I know why.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information on my credit report, as the results of your recent investigations have not resolved the inaccuracies I identified. 

Despite my previous requests for investigation, the following information remains inaccurately reported on my credit files : - **Experian** : XXXX - **XXXX** : XXXXXXXX I have provided documentation to support my claims, but your investigations have not been thorough, and the inaccuracies persist. It appears that due diligence was not exercised in reviewing my disputes, and I believe my rights as a consumer have not been upheld. 

I request an immediate review of this matter, including a thorough investigation into the inaccuracies mentioned above. I expect a prompt response detailing the findings of your investigation and the actions you will take to correct my credit report. 

Thank you for your attention to this matter. I look forward to your swift response.