23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our loan payment has been sent to US Bank from my husbands employer, the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX for the past 6 years on the XXXX of every month. The last payment was sent on XXXX with a stub attached identifying the loan acct number and our name. On XXXX the employer received the check back with a letter stating that the mortgage acct could not be identified. There was a phone number and extension on the check but the employer was never called to give the mortgage number and the stub with the identifying information had been removed. On XXXX a second check was sent by 2 day mail through USPS and via tracking information, was received by US Bank at XXXX XXXX   at the front desk of XXXX XXXX XXXX  , XXXX XXXX, MO XXXX. As of XXXX at XXXX, my mortgage payment has still not been processed, I am showing delinquent and have incurred a XXXX late fee. My husband and I have both called multiple times to no avail. I have spoken to XXXX, XXXX XXXX, XXXX, and when I ask to speak to that person again I am told they can not be found. I have been put on hold for approximately an hour each time and nobody seems to be able to tell me where my payment is. I have never dealt with such an inept, system and need help in finding a resolution. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Again no one is showing any proof that this debt belongs to me for XXXXXXXX XXXX, for starters they are not licensed to collect a debt in the state of Florida, which I have disputed before and provided proof via Equifax website, in this state of Florida you have to be licensed and Ive shown proof that they are not, Ive also disputed no knowledge of this account, the company couldnt even supply proof that I have ever done business with them, I am not even sure how they obtained my information. XXXX and XXXX has removed this from my credit report without any issues so why is Equifax the only reporting agency unwilling to make sure Maximum Accuracy which is required by consumer law! I will be filing suit if this isnt removed from my credit report immediately and I will be reporting XXXX and Equifax to the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  collection company  XXXX   XXXX   XXXX   XXXX   XXXX ,  and/or  Equifax reporting incorrect information for a single account. The account continues to reflect the status of  "   Open Collection '' while it was included in Bankruptcy in 2016 a nd subsequently  discharged  in  XXXX  o f 2016. I h ave called the collection agency multiple times and they have denied any incorrect reporting and point me to the reporting agency. I have opened up multiple disputes with the reporting agency and their determination has repeatedly been " we 've verified this account belongs to you ''. The incorrect information, is not whether this account belongs to me, but why it is still being reported as "  Open Co llections ''. Neither company plans to take any action to correct the discrepancy, or remove the entry.
Product: Credit reporting or other personal consumer reports

XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account number- XXXX I have no idea where this account came from. I am in perfect health I haven't even been to a doctor in XXXX years. when I checked my credit report I was shocked to see this. Under the fair credit reporting act, I have the right to have my information reported fairly and accurately.
Product: Credit reporting or other personal consumer reports

I can not update my phone number with Experian.com because it's connected to my old phone number XXXX -- -- my new phone number is XXXX
Product: Debt collection

I reached out to Ars Resolution in XX/XX/XXXX by sending a debt validation letter requesting information on a collection account from XXXX on XX/XX/XXXX for {$220.00}. 
I also requested that if they couldn't verify the debt in thirty days to notify XXXX  for removal for inaccurate reporting. 
As of XX/XX/XXXX I have not received any correspondence from the company.
Product: Credit card or prepaid card

I went to XXXX XXXXXXXX XXXX XXXX last XXXX in immense pain and the employee convinced me their insoles were immediately helping. I was crying through most of the appointment and wanted to believe they would help my feet feel better. ( 4 sets of insoles were also {$2100.00} ) The first issue was that the insoles intensified my XXXX XXXX and I got XXXX XXXX from them. The employee made promises she could not keep and told me they would help my other medical issues and then had me sign something saying they do not diagnose or treat problems even though the employee did just that. 

A few weeks later I got a new credit card in the mail that I had no idea where it came from. I found out that XXXX XXXX XXXX XXXX employee had signed me up for Care Credit without my permission. She took the signature I gave her which she told me was just for the authorized down payment with my debit card, and put it on a Care Credit card application and filled out the rest herself. 

I went back in again to see if them swapping out my insoles would help and again it just made things worse. They have a no refund policy so when I went back in a third time to plead with them to take them back they said no. 

I've tried 2 times to call Care Credit 's parent company, Synchrony Bank, to submit a fraud report. Both times it was denied and I got another bill in the mail. I submitted a third report for them to ask XXXX XXXXXXXX XXXX XXXX if I could just return them and that also got turned down. They showed me my " application '' for the credit card that I had never seen before and said that was proof I did sign it knowing what I was doing. 

I am at a loss for what to do other than to contact a lawyer. Originally I thought I would be making payments on XXXX XXXX XXXX XXXX XXXX website with my debit card, because that's what the employee said was the case. I could afford it at the time to pay the entire thing off immediately with my debit card but she made it seem like she couldn't take the whole payment at once and I had to pay on the website. 

I have researched about both companies since and have seen that both of them have been sued for situations exactly like mine. They are still doing what they were sued for.
Product: Mortgage

On or about XXXX XXXX, 2015, I received an email regarding refinance of a mortgage. I provided contact information. The first company to call was from XXXX, CA. Since I had gone to a master 's degree program for a year in XXXX, CA, I had a nice conversation with the caller from Loan Depot. The XXXX company to call was Quicken. I was aware that Quicken advertised themselves as being Highest in Customer Satisfaction by XXXX XXXX XXXX. I received an email from XXXX XXXX of Quicken on XXXX XXXX, 2015 saying he would be my Home Loan Expert. I sent XXXX XXXX an email on XXXX XXXX, 2015 saying that I needed immediate answers by XXXX the next day. XXXX XXXX called and offered my nothing more, except absolutely outstanding service. I went with Quicken on this promise. From the start, virtually all of the communications from Quicken went into my Spam folder. I did not have this problem at any other time and it was a distraction. Throughout the process, XXXX XXXX and XXXX XXXX XXXX, my Client Care Specialist, were out of the office infrequently. XXXX XXXX had XXXX people contacting me in her absence. A major problem with Quicken was their inability to obtain documentation from my condominium company on my development being an over XXXX community. Two or three times, Quicken asked me for contact information on the condominium company. I gave them the link on each occasion. After quite a while, Quicken then changed their request asking me if I had a copy of the bylaws. They asked me if I had the documents and asked me to obtain them from the condo company. Let me state at this time that I chose Quicken because of the personal commitment of XXXX XXXX to provide outstanding service. I purchased my condo about 4 years ago on a 30-year mortgage. I am XXXX years old. I decided it would be good to pay off as much of the condo as i could before i passed. This would make it easier for my wife. XXXX XXXX had people substituting for him and XXXX XXXX had person filling in for her. It made for an unsatisfactory situation. I provided all the information requested on an immediate basis. At the time I opted out of my loan, the bylaws issue was not being acted upon. Quicken asked for a deposit of {$500.00}. They returned {$120.00}. I would like to have my {$370.00} returned because of poor performance. I certainly did not need to have my credit checked ( which they did not include as a requirement ) or to have an appraisal. Quicken does not require a deposit today. Thank you. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax or XXXX XXXX XXXX XXXX keeps changing the Date report to reflect XX/XX/XXXX, they did it in XX/XX/XXXX and now in XX/XX/XXXX. I close the account in XX/XX/XXXXand and it shows XX/XX/XXXX and one paperwork shows XX/XX/XXXX. 

I have asked XXXX if they will review it and they stated that they see what I am talking about and give them 72 hours. I told them that I will monitor it and if it keeps doing it, I will file a complaint. 

Well I am now filing a complaint, would you please help me get this correct to reflect the current last reporting. 

Thank you!
Product: Checking or savings account

Dear CFPB, I initially submitted a complaint on XX/XX/XXXX ( complaint ID # XXXX ). It is apparent to me that Chime did not read my original complaint nor did the CFPB read my original complaint. First, Chime indicated that my checking account was opened on XX/XX/XXXX. But that date is not correct. I submitted documentation that my account was opened as early as XX/XX/XXXX. Second, Chime indicated that my funds were transferred to the XXXX XXXX XXXX  Unclaimed Property Division for safekeeping. But that is not true, I checked with the XXXX XXXX XXXX  XXXX XXXX XXXX and the XXXX XXXX Georgia do not have my funds. I believe that Chime is deliberately lying and stalling to keep my funds. My initial complaint is below and I would like for the CFPB to intervene again to help me get my money back from Chime as soon as possible. 

I opened a checking account with Chime in XX/XX/XXXX. I used this checking account without any problems or issues for about 3 years and 4 months. My checking account was forcibly closed by Chime on XX/XX/XXXX. I received the following email message from Chime on XX/XX/XXXX : " your account is not in compliance with its internal policies and the member agreement executed at enrollment The account was closed on XX/XX/XXXX. If there is any account balance due to you, a check will be mailed to the address on file within 30 days '' I do not know which Chime " internal policies '' I did not comply with, but my primary concern is they promised to send the balance of the funds in my checking account to me, " within 30 days '', so that I could deposit my money into another bank. My checking account balance as of XX/XX/XXXX is {$11000.00}. I should have received my funds no later than XX/XX/XXXX. But despite my repeated requests, and sending over a dozen emails to Chime, and making countless phone calls to their customer service, I still have not received my money from Chime. I need the help of the CFPB to get Chime to send me my {$11000.00} as soon as possible. As of today, they have illegally held my money for 345 days since XX/XX/XXXX. Please see the attached emails that I have been sending to Chime, and the replies I have received from Chime since XX/XX/XXXX. As you can see, they are deliberately stalling and procrastinating, and coming up with excuses not to send my money to me.
Product: Credit card

I have been hospitalized several times throughout the last year due to unforseen XXXX XXXX, and XXXX. While hospitalized I was XXXX XXXX XXXX  XXXX and missed my credit card due date. However I made a payment of several XXXX dollars above the minimum payment amount. When I called Capital ONE to request a late fee reversal of {$39.00} I was told that it could not be reversed without an explanation as to why. I was told by XXXX of Caoitol One '' s customer service that he could not tell me why the fee could not be reversed. As I have been a loyal and upstanding customer well over 10yrs, until this past year due to my severe medical problems. I have a history of 8yrs or so without ever missing a payment, yet this was not taken into account when deciding whether or not to refund this exorbitant late fee.
Product: Credit card or prepaid card

I made a balance transfer using my Capital One Quicksilver card for the amount of {$700.00} back on XX/XX/2021. Capital One on their part, sent the check for the amount of {$700.00} to a different financial institution ( XXXX XXXX  ) and this financial institution cashed the check even though it didnt belong to any of their accounts because I dont have an account with XXXX XXXX  . Now both, Capital One and XXXX XXXX  are refusing to help me with this problem. I have made multiple attempts to get this problem solved and both banks are refusing to help me.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting

There is an inaccurate late charge being reported on my equifax file that I have disputed with both creditor and equifax a total of 9 times. The creditor continues to tell me that they have notified equifax to update their files however that has not happened. Equifax continues to tell me they investigated the information and the credit XXXX confirms it as accurate. XXXX has sent me a copy of the letter 3 times that they say they have sent to equifax ( i too have forwarded it to equifax ) however I just get the run around that they can not take the letter form me and never received it from equifax. This process began in XXXX prior to me going into the home buying process. I have not located a home and in contract and am being penalized for this inaccurate information. It is effecting my credit score which determines the rate and options I have. This has been a dauting process and I am completely drained and have not choice but to move forward with the mortgage and penalty for inaccurate information or I will lose the house. Equifax should be responsible for every dime I have to pay above what I should because they will not update this inaccurate information.
Product: Debt collection

There number is XXXX they are collecting a debt on behalf of spectrum that was already charged off and wrote off meaning they were already compensated spectrum sold the debt to a debt collection agency and they were already compensated through the IRS. I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not to be confused with a citizen of the United States. The debt collection agency is harassing me and keep calling me and sending emails they havent sent proof of the original contract in wet ink at all I contacted spectrum as trustee of my estate with proof and theyve admitted to selling the debt to the collection agency I never had a contract with at all!! Please handle this fictitious pirate corporation on the record for the record all rights reserved UCC-1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to start off by saying that I'm not admitting to this debt. I would like to do business with your company if you agree to the following terms. ( XXXX ). Remove the debt above from all three credit bureaus within XXXXdays of payment. ( XXXX ). Send me a letter stating that the account above will be deleted. ( XXXX ). Stop all debt collection activities. If you agree to the above terms, I will pay your company the full balance of this debt as soon as I receive this signed copy back from an authorized representative with the power to make this deal. Failure to delete : I just want to ascertain that you honor your side of the agreement. If the item is not deleted as specified in this agreement, I will be entitled to {$500.00} compensation for breach of contract
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : 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 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 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation 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

Hunter Warfield ( Collection Agency ) is attempting to collect a debt that is unknown to me. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I received collection letters from Hunter Warfield on behalf of XXXX XXXX and XXXX. These letters were the first and only contact received by me. It appears that XXXX XXXX is attempting to collect {$430.00} and XXXX {$500.00} ) for what? I do not know. I moved out of XXXX XXXX Apartments upon proper notice ( 60 plus days prior ) on XXXX XXXX, XXXX. I began living there XX/XX/XXXX. During the signing of the lease I was offered a Surety Bond ( I assume XXXX ) it was explained to me by the employee who signed me, as a way not to pay a deposit, which was subject to be returned at the termination of my lease. However, if I were to pay {$86.00} for the bond with no expectation of refund then all I had to do was end the lease. Any damage, or other expectation would be covered by the bond. I agreed to pay for the bond. I paid my rent on time for the next three years. Then, I get these letters this month demanding payment for the above stated amounts. There was no prior written notification nor explanation for these requests. Just the collection letters with the threat of debt reporting to the national credit bureaus. 
I do not owe these people money and am requesting that they STOP these attempts of collection.
Product: Checking or savings account

I was in XXXX for over XXXX and having issues with ally bank accessing my account due to no cell phone service and also a dispute between the the XXXX XXXX XXXX and myself concerning a refund of my airline tickets due to the death of my XXXX old child in XXXX  due to XXXX  XXXX  from the hospital. Upon many different points of contact verbally with calling in and also via email and messaging on the app. Ally denied my refund and dispute with no reason basically saying I needed to handle the issue myself when prior they stated if no resolution could be met they would step in and mediate and resolve the situation in my favor even after all of the evidence was in my favor. XXXX shredded the evidence by saying they couldn't give me an accurate account of how much the refund of the tickets I was supposed to get and ally just kicked the bucket down the road and did nothing in effect siding with the XXXX aka the XXXX XXXX XXXX The points of contact via email and messaging were as follows. XX/XX/XXXX, 3 times, XX/XX/XXXX 8 times, XX/XX/XXXX, 1 time, XX/XX/XXXX 2 times, XX/XX/XXXX 1 time, XX/XX/XXXX 1 time, XX/XX/XXXX twice, XX/XX/XXXX 1, and XX/XX/XXXX I contacted them once. So ally just like with their prior cases of racism with minorities specifically XXXX Americans this is another case of that and to cover over there misdeeds they shut down and closed my accounts hoping that they could cover up there wrongdoing. They also shutdown a joint account in good standing without any reason or arbitration or following FDIC Rues and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The card was lost. some of the charges are inaccurate, they closed the account several years ago and charged it off. however they still continue to send me emails stating XXXX XXXX recently sent me a communication about different settlement options that are available to help you resolve the balance on your account referenced above for less than what is owed. 

These offers are time sensitive so please click the tab below to review and select the settlement option thats right for you by XX/XX/2022. the account has been closed and charge off for several years. but they continue to increase and update the ballanc. the same on the account is spelled wrong. the charges on the account happen in XXXX. I to send me a original contract, the payoff disclosure and the Balance history, payment history to verify the signature that its my account are they need to remove it from my file. again my name is XXXX XXXX XXXX not XXXX XXXX thats incorrect information