23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Myself and a roommate moved into an apartment managed by XXXX XXXX XXXX XXXX called XXXX XXXXXXXX XXXX XXXXXXXX XXXX. We discovered within one day that the unit was infested with roaches. Property management agreed to terminate the lease at no charge because it was within 30 days of move-in. They stated we wouldn't receive a refund on any of the prorated rent payed even though we didn't spend even a single night in the unit due to the disturbing living conditions. We returned all keys and vacated the unit where they once again reassured us there was no balance due. Seven months later I was notified of a change of my FICO score where I discovered a {$50.00} collection being reported originating from XXXX  XXXXXXXX XXXX XXXXXXXX XXXX. There was never a single notice given, never a letter, email, phone call, or voicemail received by myself or my roommate about this alleged debt or its being sent to collections.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX Balance : {$4800.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A dispute was resolved in my favor so chime credited my account {$5000.00}, on a provisional basis on XX/XX/XXXX, but then the provisional credit was turned into a permanent credit on XX/XX/2021. For some reason the bank made a negative {$5000.00} adjustment to my account on XX/XX/XXXX after adding {$5000.00} credit. So on XX/XX/XXXX when they subtracted {$5000.00} and added it back to take away the provisional credit and add the permanent one, the {$5000.00} credit only reversed the negative {$5000.00} balance and I ended up with a XXXX  balance so no check was issued to me. 

I closed this account XX/XX/2021 so all of this happened after the account was closed. 

Ive called and emailed so many times I cant count. The investigation team keeps denying my claim and Im not allowed to speak to anyone on that team nor email them. Ive escalated this to the investigation team within the dispute department four times and I get the same answer each time, a final decision was made and we already credited the account with the {$5000.00}. Theyve never told me why they made a negative {$5000.00} adjustment on XX/XX/XXXX, which seems to be the error. I received no money from chime since the credit was applied to my account and I was told by a manger in the dispute department that there was nothing they could do other than continue to escalate the issue to the investigation team and see if they give me a different answer. Of note, the manager in the dispute department agreed with me and understood that I am owed {$5000.00} but said he could not do anything about it. This was on Tuesday XX/XX/XXXX.
Product: Credit card or prepaid card

I have an existing credit card with XXXX / Comenity Capital Bank. In XXXX of 2019, it had a balance of {$600.00}. In XXXX, I opened a credit card with XXXX XXXX because it had favorable interest rates on balance transfers. I completed a balance transfer from my XXXX XXXX card for {$600.00} to XXXX / Comenity Capital Bank in early XXXX. On XX/XX/2019 I received verification via mail from XXXX XXXX that confirmed that a wire was sent to XXXX / Comenity Capital Bank. I called XXXX XXXX and confirmed that a wire was sent to XXXX / Comenity on XX/XX/2019 for {$600.00}. Comenity Capital Bank never credited my account. I had to call them multiple times to request them to look into why I never received the credit while at the same time, paying the minimum amount each month on an amount that I no longer owed so that my credit would not be affected negatively. After gaining no resolutions amid trying to work with XXXX / Comenity Capital for 2 months ( I was told to wait and see if the balance would update since it probably had not been processed yet ), I filed a formal dispute in XXXX and the gentlemen on the phone asked me to upload documentation showing the balance transfer. I had to find the documentation from XXXX XXXX and when I was going to upload it, I received a notification ( this was < 30 days ) that my dispute was closed and they could not verify my balance transfer. I called back and re-opened another dispute and uploaded the documentation and I was told that they would look into it and credit my account. I didn't hear back from XXXX / Comenity after I spoke with the Customer Service Representative. It was only after I told them that I filed a complaint with the FDIC and gave them the reference number that I finally heard from their customer service department and they said that they were looking into my dispute and would not collect payments on the amount while they looked to see if they could approve my dispute. It has been almost 5 months and they still have not credited me the amount that I owe and I am making monthly payments to ensure my account does not report as delinquent on my credit report and also paying XXXX XXXX payments, so in essence, I am paying on 2 balances for the same amount, and XXXX owes me the credit of the balance transfer, as well as the monthly payments that I have made since XX/XX/2019 to current ( as of the date of this filing ).
Product: Debt collection

After running my credit report in XXXX I found that I had a collection that was placed by Credit Control Service on behalf XXXX auto insurance. On XX/XX/XXXX I reached out to XXXX to verify. After I verified the amount I called Credit Control Service and verified their information that same day. The information that they had on file was not what was on my record. They were delivering information to the wrong address and never verified my account before assigning a debt to my credit reports. So, after negotiations I agreed to pay the bill if they removed it from my account. I gave the woman on the phone my XXXX Credit Card number to pay the bill and she processed the card. The payment was complete and I can provide a copy of my XXXX XXXX. 

The payment date was for XX/XX/2016
Product: Credit card or prepaid card

In the Code of Federal Regulations Under XXXX Billing errorresolution under C2 it statesC2 - The Creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.I openeda disputeagainstXXXX that was billed on XXXX XXXX in the amount of {$2000.00} on XX/XX/XXXX, I was credied the {$2000.00} on XX/XX/XXXX. I didn't hear from Capital One about this dispute and was rebilled on XXXX XXXX XXXX - XX/XX/XXXX is 106 days which is past the allowed 90 days by law. 
I didn't receivethe paperwork that Capital One states they sent out. This is not the first time I haven't receiveddisputed paperwork.

OnXXXX I receivedpaperwork from Capital One with conflicting info.Case numberon this page was XXXX, they state I opened the case on XX/XX/XXXX. This was a different case and they are mixing cases, see below..XXXX XXXX, XXXX I opened a disputeagainst XXXX for a purchase on XXXX in the amount of {$2000.00} I sent in paperwork and it was rebilled on May 11thMay 11, XXXX I opened up a different dispute against XXXX in the amount of {$2000.00} for the purchase on XX/XX/XXXX this was rebilled on XX/XX/XXXX, XXXX.They have the same case numbers on both disputes which are two different disputes.I have a picture of each dispute side by side and you can see it has the same case number XXXXOn XX/XX/XXXX I received a letter saying they receivedmy response which is a lie. I never sent anything in because I never received any paperwork for the {$2000.00} dispute.Capital One has done 3 things wrong and I would like a response to each 1. They are combiningtwo different cases2. I did not receiveMay XXXX letter of instructions to send in paperwork.3. It took 106 days to end the case which is more than the 90 days allowed. ( Capital One has never given an answer to why they took longer than 90 days ) My lawyers have reached out, Capital One sent me a letter with another Capital One different case number XXXX. I tried to give consentbut the rep didn't know what I was talking about and how to put it into the system. 
Under the Federal Trade Commission under Disputing Credit Card Charges it statesComplaints -You also can sue a creditor who violates the FCBA. If you win, you may be awarded damages, plus twice the amount of any finance charge as long as it's between {$500.00} and {$5000.00}, or higher amounts if a pattern or practice of violations is established. The court also may order the creditor to pay your attorney 's fees and costs. 
Capital One can contact me directly or through the CFPB. If this can not get settled then I will be taking Capital One to court for breaking the law. The law is attached.
Product: Credit reporting or other personal consumer reports

Criminal record shows inaccurate information. On XX/XX/2024 I XXXX  XXXX  to a Falsification charge ( XXXX XXXX XXXX  ) and my report is showing the wrong information as XXXX XXXX to a XXXX XXXX of falsification in XXXX  offense-to purchase XXXX, which is inaccurate and needs removed from my report asap.
Product: Credit reporting

All XXXX credit reporting bureaus are forcing people to pay for a monthly service of so-called " credit monitoring '' if you want your score. That is fraud. I ought to be able to just pay once for my score. 
And if you can figure out how to stop letting the XXXX credit reporting bureaus to STOP sending people in circles so we can get our scores -- JUST our scores -- let me know. I have called XXXX, Equifax and XXXX, gone to each website and followed the prompts to get the credit score and they EXTORT PEOPLE into buying a monthly services of " monitoring '' and if you do n't want that and just want the score, they make you pay for the REPORT AND SCORE then send you in circles on phone prompts that end up with an address for the credit report -- not the score. 
Try it yourself. 
Start with this : XXXX/You can hit each link for each credit reporting agency and it ends all the same. They do not want to let you pay once for the score, they want to hit you up with monthly fees. 
I do n't need my report. I have them. 
They also continue to put back inaccurate information that they deleted, but put back after I get off the phone with the person in the security department. 
What are you doing? The people who deal with credit bureaus are truly afraid of them, as this is the only part of this agency that ca n't seem to get anything done to help consumers. 
Also, I ca n't afford to pay {$58.00} for a fico score, which is what I really want. 
That is absurd.
Product: Mortgage

Ditech financial was servicing my mortgage at the time I sold my home on XXXX XXXX, 2016. I was told that the escrow check would be mailed out on XXXX XXXX and I needed to give XXXX10 business days for delivery. The check was never received On XXXX XXXX I called back and requested a stop-payment on the original check and requested a new escrow check. That check was never received. On XXXX XXXX I called back and requested an update. I was told that there was an error in processing all escrow checks for the company and the escrow check was being mailed on XXXX XXXX. As of XXXX XXXX, I still have not received my escrow refund. I was told by Ditech customer service that the check was mailed on XXXX XXXX and I need to wait 30 days before they will issue a stop payment and send another check. Customer service informed me that XXXX escrow checks were delayed by the error in processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month ofXX/XX/XXXX, I purchased a car though XXXX  XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help. 

XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the persistent presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial reputation but also poses a significant threat to my financial well-being. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. 

I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX Balance Owed : {$280.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$480.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$480.00} ; XXXX XXXXBalance Owed : {$590.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$4100.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$2000.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$480.00} ; XXXX XXXXBalance Owed : {$590.00} ; XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$4100.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX  XXXX Balance Owed : {$99.00} ; XXXX  XXXX XXXX Balance Owed : {$600.00} ; XXXXXXXX XXXX  XXXX Balance Owed XXXX {$2300.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$190.00} ; XXXX  XX/XX/2022 ; XXXXXXXXXXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XXXX XXXX XXXX Balance Owed : {$6000.00}.
Product: Debt collection

I was renting townhome from XXXXXXXX XXXX XXXX. During the height of covid the cemteal air broke. I requested over a 4 month period to have the air conditioning fixed. I have medical Conditions XXXX and XXXX. XXXX XXXX refused to fix central air. For my health i was forced to move breaking lease 1 month shy of renewal date. As act of good faith i told XXXX XXXX to keep my security deposit. I have copies of all interactions and multiple witnesses including former neighbor as well as XXXX XXXX former employee.
Product: Mortgage

This is regarding case # XXXX. I am submitting a new complaint because I have acquired my own evidence that US Bank owes me a reimbursement. I requested my PMI to be removed once I met the qualifications and they did not remove it automatically as the attached documentation from the FHA/HUD specifies to do. Thus, they owe me the amount of PMI I overpaid from XXXX 2016 to XXXX 2016. 

It is disheartening that I specifically requested US Bank to provide documentation from the FHA that spoke to this yet they continued to send me their own interpretation and it was incorrect. I am tired of consumers being treated this way by these large organizations.
Product: Credit card or prepaid card

On XX/XX/XXXX I spoke to a representative to follow up on recent payment made to my credit card with Bank of the West ending in XXXX. The payment was enough to pay my cash advance balance. He assured me that my request would be completed in a few working days. He also committed to reverse out the finance charge because we were paying off the entire cash advance off. Today XX/XX/XXXX we received our credit card statement and confirmed the expected action did not happen, I spoke to XXXX, supervisor on call. She explained that request was not an available customer payment option. This was not explained to me by the representative on XX/XX/XXXX. She commented that there was no record made of that conversation. I mentioned to her that conversations like this are important to document. I am a Vice President at XXXX XXXX  in XXXX XXXX in California and been in the banking industry for over 40 years. 
This I believe is not a Fair Credit lending best practice. In light of rising interest rates for credit cards. What they are demonstrating by their practices is that they don't have their client 's best at heart. 

Please direct me on next steps. Thanks! 

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

one main financial has looked at my XXXX  and XXXX  credit reports!! These are not my inquiries!
Product: Checking or savings account

Was continuously charged over draft fees from Wells Fargo bank when I had money to pay for the smaller amounts and they would withdraw larger amounts first leaving the smaller amounts with overdraft fees
Product: Mortgage

In XXXX of XXXX I notified Shellpoint of my inability to make my loan payment. I was in communication with XXXX XXXX from Loss Mitigation. Through her I successfully obtained a Forbearance in XXXX. Unfortunately I did not have the income to satisfy the terms of the agreement. I recently started a position where I could start to make payments and started the loan modification process. I was invited to apply for a loan modification. I started this process in XXXX. Unfortunately and I mean unfortunately I was assigned a new representative XXXX XXXX. I'm attaching a communication from him where I was admonished and berated. In his communication to me he says " as previously discussed ''. I have never had a conversation with this person. He goes on to say that I do not exist in their database and that there is loan associated with me. I was doing my due diligence by providing the most current bank statement, in hopes this would be all that was needed to grant me this modification.

This was my response to him. " What is going on here? Why isn't my name in your database? It's a very unique name wouldn't you say? Not like a XXXX XXXX. Here is the loan number XXXX. I copied the previous representative XXXX XXXX on all documentation while submitting it through the Loss Mitigation email address for the last XXXX or 5 months. So what's change? 

If you don't want me to send emails to your email address just say so. You are being a little extra. If I should only go to the Loss Mitigation email I will continue to do so. But if I do not exist in your database, where should I communicate with Shellpoint? '' With my emails being blocked how do I communicate with Shellpoint that I am trying to stay in and save my home. This account was turned over to him from XXXX XXXX, she knew of him why didn't he know of her? Why didn't he reach out to her to tie in whatever he thought was missing. I hope this is not a case of elder abuse. His response and willingness to help me was totally rude.. I am now emotionally devasted losing hope for something you have been fighting for and being told that there isn't any information associated with me is painful. I am now totally confused. Is this a ruse to try and take my home? Is this a scam? I have heard of elders being scammed and tricked out of their money, homes and other things. How do you lose information on a customer with over XXXX XXXX dollar loan, that was turned over to you from another representative of your company? 

It seems the communication from XXXX XXXX validated ( see attached ) that he knew of XXXX XXXX. She states that he needed a letter of explanation from me, which I sent. She also states that she saw I uploaded some recent files to the Loss Mitigation portal. So it seems that she knows where I exist. It's all very confusing, if he is expecting a letter of explanation, then what portal and loan information is is he looking at for XXXX XXXX who dose not exist. So is he a liar or just had a lapse of memory?. I totally get it at 72 I have had lapses of memory. Either way that's no way to treat a client.
Product: Debt collection

XX/XX/2019 I called and spoke with a representative and informed them that I had medical insurance and that the debt should've never been placed on my credit report. Also, any medical debts should not appear on the credit due to privacy and HIPAA laws which they are clearly violating.
Product: Debt collection

XX/XX/XXXX I received a phone call from a family member stating that someone called and said that their had been a petition complaint filed against me and that they had documents for me to appear in court and that I needed to call XXXX. And speak with XXXX XXXX who made claims of taking me to court and that he would red flag my license plate and contact the sheriff and the district attorney in my city for them to deal with me. so I call the number and find out it is for a medical bill and as I after being extorted and threatened tried to set up some sort of arrangement to get the bill taken care of wich I have not received since they had an old address I had no clue of this outstanding bill I also tried to negotiate a payment plan wich was declined by the collector and he stated that he would need my checking account or debit card information before he ould do anything ... .wich I find fishy he stated that if I mailed a check I would have to pay more and I would have to pay the full amount in TWO PAYMENTS wich is not an option for me at the moment the collector then asked me for my phone number wich i declined to give since i had his contact information I dont want them calling me ... the collector then said he was done talking and he would be contacting county officials and he would red flag my license plate and have the sheriff serve me