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

All of there ATM machines were down/offline on XX/XX/year> between XXXX XXXX XXXX except for XXXX inside the double PNC Doors. I deposited XXXX x {$100.00} bills = {$1000.00}. I receive a message the funds cant be deposited due to exceed max daily deposit and the disburse door opened up and nothing came back out. I called customer service immediately while in front of the ATM. They created a case number but did provide a provisional credit
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below :
Product: Mortgage

I was told during the loan application process that my loan closing costs would be approxamently {$900.00}. I was asked to pay and did pay {$500.00}. For an appraisal. The phone conversations were with XXXX XXXX of Quicken Loans LLC. His E-mail is XXXX. His phone number is XXXX XXXX XXXX. After the appraisal was done I received a loan estimate in the mail ( on or about XXXX ). The loan estimate showed loan closing costs of {$8200.00}. I called XXXX XXXX and told him the loan closing costs were excessive and that I did not want to proceed with the loan. I have asked for my appraisal fee of {$500.00}. To be returned to me since I would not have agreed to an appraisal if I had been told of there loan closing costs. XXXX XXXX in an e-mail has indicated that they would not do that. 

I have read the CFPB rules and they state that the only fee a lender can ask you to pay prior to providing a loan estimate is a fee for obtaining your credit report. Credit report fees are typically less than {$30.00}.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX XXXX and Transunion data breach.
Product: Student loan

Nelnet took over my student loans. Now it is not showing past payment history.
Product: Debt collection

On XX/XX/XXXX, I was notified by the Illinois Department XXXX XXXX XXXX that my personal information was stolen and XXXX gave me a year of credit monitoring. Fraud alerts were placed with the major reporting agencies. My credit reports were being monitored and no fraud accounts were opened or reported until I received credit report notifications from the 3 credit reporting agencies on XX/XX/XXXX regarding a new collections account from Security Credit Services for {$2300.00}. The original creditor is reported as XXXX XXXX. XXXX XXXX never ran a credit inquiry or reported any accounts on my credit reports until the collection account. XXXX has the collections account reporting last activity on XX/XX/XXXX. All 3 credit reporting agencies have the collections account reported on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and they had the wrong name, the wrong address, only the last XXXX digits of my SS number, incorrect phone number and email address. They also told me they would open a fraud case and have someone call me but I never received a call for them. I then filed a police report with the XXXX XXXX XXXX police on XX/XX/XXXX for identity theft. On XX/XX/XXXX I called Security Credit Services to get more information and made the mistake of giving my current address as of XX/XX/XXXX, recently moved. Then I received a letter in the mail from XXXX XXXX XXXX XXXX requesting information to send to Security Credit Services and stating that the account information was verified, although the name is incorrect. The letter also asked for more information including my signature, but I feel I am giving them too much correct information and after reading the reviews and complaints of Security Credit Services, I feel they may be creating a fake debt and again, nothing was ever reported, inquiry or account on my credit reports for XXXX XXXX. On XX/XX/XXXX I filed an identity theft report with the Federal Trade Commission.
Product: Credit reporting

XXXX pulled my credit without my authorization and permissible purpose. 
I have attached documentation. I need this removed.
Product: Debt collection

I didn't received any feedbacks and resolution from these Collection departments. I need a Debt Validation for this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I SPOKE WITH XXXX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. XXXX INFORMED ME TO CALL XXXX XXXX WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH XXXX XXXX ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.
Product: Credit reporting or other personal consumer reports

Said company reported an unauthorized balance of collections onto my credit report. I have never heard of or signed up for any services from said company and on the day I received notification I immediately disputed. Two of three major bureaus removed the file from my report but the company is still reporting said balance to one of the three and refuses to remove no matter my attempt.
Product: Payday loan, title loan, or personal loan

I recently paid off this account, so as far as I know, I do not owe anything. When I logged into the website, it still shows that my next payment is XX/XX/XXXX. It also shows that {$130.00} will be due. I asked for someone to clarify this for me on XX/XX/XXXX, but my email and concerns were completely ignored. If I owe some money, I would like to know about it. On XX/XX/XXXX, their site showed the outstanding balance was {$8300.00}. The check was for {$8300.00}. My records show I am owed {$92.00} in overages. I asked how to retrieve that additional cash, but that too was ignored? I asked them if I can have that extra mailed back to me? The tracking number for the check is XXXX XXXX XXXX XXXX XXXX XXXX. It was delivered to the XXXX XXXX XXXX XX/XX/XXXX. On XX/XX/XXXX checked my bank account. On top of the {$92.00} of overage, it also shows they took {$130.00} from my account on XX/XX/XXXX. This brings the total amount owed to me to {$220.00}. It is disturbing that my account could be paid off, and they still take money from my account. Furthermore, there is no way to stop the autopay on the website. Customers are directed to reach out to them, which I diid, but was subsequently ignored. They are now impacting my ability to pay my mortgage on time by taking money no longer owed to them. 

As I have stated, they owe me {$220.00} and I would like someone to explain why all this additional money was taken.
Product: Debt collection

I am writing to complaint a debit collector First Source Advantage LLC, sending me a letter in the mail trying to collect a debt I owe amount {$170.00} from the XXXX XXXXXXXX. I do believe this is fraudulently open with someone using my information without my knowledge. 
I do believe long time ago I have credit card XXXX XXXX original amount {$4500.00}. And I mess the payment until now. Thats the only debt I owe from the XXXX XXXX, the rest debt amount {$170.00}, thats not mine. 
Please consider this letter as a formal request to dispute or to stop the debit collector sending me a letter from the mail and to stop the debit collector to report this fraudulent account to my credit report. 
Please contact me if you have any questions or concern. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I agreed for Chase Bank ( Freedom Card ) to initiate a {$3500.00} payment to my XXXX XXXX XXXX XXXX XXXX XXXX ), to bring that balance down to {$450.00}. ( Now {$0.00} ) Chase honored the agreement for a {$170.00} fee and sent XXXX {$3500.00} to be charged to my Chase Card with XXXX 0 % interest. Thus, my Chase Card had a new Balance of {$3600.00}. XXXX reported the New Chase Card Balance as an INCREASE of 17.33 % in Credit Usage. All this might have been okay, except XXXX neglected to report the XXXX XXXX XXXX XXXX half of the transaction, which left hidden the {$3500.00} lower balance in the XXXX XXXX and didn't report a 20.1 % LOWER XXXX Credit Usage percentage . This caused a XXXX Point XXXX Credit Score ; a XXXX Point Chase Score and somehow, a minus XXXX Point XXXX XXXX XXXX XXXX XXXX The Usage percentages should have been OVERALL Credit Usage averaging ALL Usage. This is what I'm most concerned about. Background : On XX/XX/XXXX, I wrote a XXXX promotional check for {$18000.00}. I paid {$420.00} every month until paid the {$18000.00} back. My penultimate act on XX/XX/XXXX used the Chase offer to reduce my {$3900.00} balance to ~ {$0.00}. Then XXXX chose to REDUCE my Credit Score XXXX points. Wait. What?
Product: Credit card or prepaid card

Chase credit card opened and used without my knowledge, also payments made out of my company account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

I have the 'automatic monthly payment ' on my mortgage through my Bank of America account for the XXXX of every month. For the month of XXXX, I made a one-time payment date change to XXXX XXXX so I can make two additional deposits to cover the check. I made this change on XXXX XXXX online through my account 's website on BofA and it was confirmed on the site. ( The first deposit of {$1500.00} was made on the XXXX of XXXX and the final deposit on the XXXX of XXXX for {$800.00}. I already had {$340.00} in addition. ) However, the bank ignored my request and went to withdraw the funds on XXXX XXXX instead, when they were NOT supposed to do so. 

Guess what?! I 'incurred ' an overdraft fee and to make matters worse, they did not make the mortgage payment until the XXXX which incurred an extra {$35.00} fee and a returned check fee of another {$35.00}! Both check deposits were from my personal account at another bank. 

I feel Bank of America did this deliberately to add the unnecessary fees to my account. I know this because they immediately tried to get me to buy overdraft protection! 

I want all of these unnecessary fees returned to me immediately! I am very angry about being charged and solicited for business after they unnecessarily charged me.
Product: Checking or savings account

Chase bank mailed a debit card to me at the wrong address and changed my phone number so I wasnt getting fraud alerts. XXXX was stolen from my account and now the account is XXXX and they are trying to recover that money as well. 

They are refusing to give my money back that I was frauded out of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion took 85 points off of my credit scores for no reason all, this has been. Recurring issue
Product: Debt collection

MIDLAND CREDIT MANAGEMENT did not have my DIRECT consent to communicate with me. In an attempt to collect an alleged debt MIDLAND CREDIT MANAGEMENT used the medium form of my consumer credit report to communicate an alleged debt to me. MIDLAND CREDIT MANAGEMENT 's actions also displayed this alleged debt information to others that had access to my consumer credit report. MIDLAND CREDIT MANAGEMENT disgraced and defamed my character as a consumer, by reporting this alleged debt on my consumer credit report. These actions are unfair and abusive practices, and are not in compliance with the law. MIDLAND CREDIT MANAGEMENT, has not provided any lawful proof that I signed any agreement/ contract with THE MIDLAND CREDIT MANAGEMENT that would make me liable for the alleged debt.
Product: Debt collection

National Credit Systems and their client have placed a {$500.00} collection on my credit file for a deductible on a bond policy that had paid my previous landlords monies for damages/fees I supposedly incurred due to my leaving. 
Originally, I was disputing this debt under the notion that it was for damages left in an apartment and potential violation of lease fees, because thats what I was told by the leasing office. This information was not correct. The account manager for National Credit Systems XXXX XXXX XXXX who had previously provided me with incorrect information, updated the reason for the debt to be that of one owed to a Bond Company that was in contract with XXXX XXXX XXXXXXXX XXXX XXXX Once the reasoning behind the debt was clarified ( XX/XX/XXXX ), I explained that I did not leave my apartment with any damages. I have a few clips from my move-out. In addition to this the regional mgr XXXX approving my leave. I had purchased a home and could only break the lease without penalty with his approval. The conditions were to give the official notice, leave the apartment in mint condition/have anything fixed my maintenance prior to the leave, and complete a walk-thru. All those conditions were met. Now I'm being told by NCS that the bond deductible is owned by me due to the apartment complex stating I owed for damages and prorated rent ... .the bond company apparently paid XXXX XXXX XXXX for damages that were completely false. When I asked for the bond company 's direct contact info or to be conference called with them NCS declined my requests. I went to the physical location of the apts, the maintenance mgr XXXX even confirmed to the new owners that nothing was wrong with my apt when I left. The new/old property management offices have neglected to return my calls. The NCS account mgr told me on a recorded line that she's never seen this overturned and that I should just pay what I owe. She told me that there was no way to prove the apts had sent in false info to the bond company. Even with a statement from the maintenance mgr and a vid of my apt she stated that no one ever wins in these scenarios. I abided by all the terms of my early lease termination which is how I was able to leave without penalty. I do not owe this debt and have been blocked and rejected at every turn to fix this injustice. Please help me. There has been no evidence from XXXX XXXX management or the maintenance staff anything other than my leaving the apartment in outstanding condition. Also, I even paid utilities days after I left, and no one reached out to inform me that this was happening from the leasing office. 

I have attached a screenshot of the timeframe where XXXX approved my request. The video says " exceed '' I was unable to upload it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

the INFORMATION ON THE CREDIT REPORT IS NOT CORRECT AND I HAVE SUBMITTED MY COMPLAINT AND GIVEN THE COMPANIES ALL THE INFORMATION THEY NEED AND NEED MY REPORT CORRECTED. 


I HAVE PROVIDED MY ID I HAVE PROVIDE MY SOCIAL THEY HAVE MY ADDRESS THEY HAVE MY BIRTHDAY I JUST WANT MY CREDIT REPORT CORRECTED AND THE ITEMS REMOVED. PLEASE AND THANKS
Product: Checking or savings account

On XX/XX/2023, an obviously tampered, stolen check of ours was put through XXXX XXXX  mobile deposit from our account. They deposited to a Chase Bank account. Our check was made out to our mortgage company for XXXX and the thieves changed it to their name and XXXX. XXXX XXXX  let the thieves take money out of our account. We have not received our XXXX yet. Now Chase Bank says that they need 45 days to investigate their side of the theft. We are disgusted with their lack of security in their mobile deposit app.
Product: Mortgage

I am currently on a XXXX  agreement between 21st motgage and myself. The lawfirm that represents them is XXXXXXXX XXXX XXXX  I have been making payments and ever since i filed my last complaint not only did they stop calling me they refuse to speak to me on the phone about my account or answer any questions about my account. Ive reached out to their lawyer as well they just sent a letter to my job for notice of default I made this payment already on XXXX the letter went out the XXXX. I just called 21st mortgage and i was transferred to XXXX they said they dont have my account ( im not sure why i was transferred thre ) the lady that answered gave me XXXXXXXX XXXX XXXXXXXX which Im assuming is XXXX XXXX and she never answers or responds to any emails also I submitted a request for this agreement to reflect on my credit bureau since it is an amendment and I am making payments they refuse to do that as well I feel they are retaliating against me for filing a complaint because Ive called before and I was told they cant talk to me because of the complaint I filed. If they are doing their job in a professional manner and according to the law then it wouldnt be a problem but these ppl make it more than difficult to deal with them but they are quick to send letters and threaten with legal action.
Product: Checking or savings account

I signed up for an account, they said if I leave XXXX in there for 60 days theyll give me {$200.00} but the money was never credited.
Product: Credit reporting or other personal consumer reports

I am writing to address a significant discrepancy on my XXXX  auto loan account. It has come to my attention that ally reported my car loan as delinquent for the month of XX/XX/year>. However, this claim is inaccurate. 

The payment for XX/XX/year> was taken out of my account. Subsequently, I received a reimbursement check from XXXX, with the explanation that the payment had been canceled. 

I have already provided proof that my account was reimbursed for the payment amount in question. Specifically, I received a returned payment check for the amount ally claim was never received. XXXX  team acknowledged this reimbursement during our previous communication, yet the delinquency status remains on my account.
Product: Debt collection

On XX/XX/XXXX, a XXXX sales representative visited my home which I signed a contract with XXXX for a Bundle ( TV, Internet, Phone ) the bundle price was {$94.00} per month. The salesperson also acknowledged that since I am a XXXX I am eligible for an additional {$10.00} discount. After calling XXXX and their representative walked me through signing up for this XXXX discount XXXX then cancelled out my contract from {$94.00} monthly to {$150.00} monthly. I began receiving monthly bills for {$230.00} to {$400.00}. This is clearly fraud against XXXX. I called XXXX for months trying to correct this problems and was told by their representative that the amount that I am being charged on my bill is what I am going to pay. After not getting any results I then told XXXX to cancel my service because this breech of my contract. They then told me if I cancel my service I will be charged an additional {$200.00} cancellation fees. Now they have sent my information to XXXX different bill collections agencies that are now harassing me for monies.
Product: Money transfer, virtual currency, or money service

I have a Coinbase account since XX/XX/2020 and have been able to operate normally. For the last months I've been trying to withdraw my account balance ( 1037 GRT, rougthly around XXXX, much less than when I initially tried to withdraw ) but I get the message that my account is in veryfication status and that I should check again in two days. 

The problem is that it has been in this status for almost 2 months and I am still unable to withdraw my account balance. 

I have really tried to contact coinbase support, but its customer support is really poor and I have only been able to recieve automated responses. I have not been able to talk with any actual customer support specialist.
Product: Credit reporting or other personal consumer reports

This a second complaint with XXXX credit card. The information being reported is over 45 days past the time since my first request from XX/XX/year>. The information being reported from my first investigation to now has only changed for the worse. I purchased the credit monitoring and requested copies of my credit reports and as of XXXX XX/XX/year> the information is still incorrect. I dont want to wait 60 days for information to be reported. If I was late on a payment the information would be reported on day XXXX of the due day. Why is it so hard to report payment information when made on time?