23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying since XX/XX/XXXX to obtain a Corrected XXXX Form XXXX from my mortgage lender - USBank. I had a conference call on XX/XX/XXXX with the XXXX XXXX and Customer Service XXXX XXXX to review the valid real estate property tax payments made by USBank to XXXX XXXX XXXX XXXX on my behalf. In addition to the 2 legitimate payments for my XXXX property tax liability, USBank also made a duplicate payment - in XXXX - of a XXXX property tax liability that had already been paid AND that was already reported on my XXXX Form XXXX. XXXX XXXX returned that duplicate payment to USBank. However, USBank still included the extra payment in the total balance in XXXX XXXX of my XXXX Form XXXX. Essentially, USBank reported the same payment on my XXXX and my XXXX Forms and refuses to correct the XXXX Form. 

I have since closed my escrow account with XXXX XXXX XXXX because the convenience of having them pay my property taxes was not worth the huge lack of customer service with this issue.
Product: Credit card or prepaid card

XXXX XXXX Chase credit card took {$2900.00}. from an autopay that was not set up. I had made a {$600.00}. payment on XXXX and then another {$100.00}. payment on XXXX XXXX. The prior month, Chase did not expect the autopay I had set up because they said payment was not enough to cover monthly fee. Which was completely false. The payment due was {$95.00} and I paid {$100.00}. which they did not accept. 
This is theft. This is shady and against all good business practice. The balance on my credit card is now {$18.00}. Why leave {$18.00} when they seemed to take the entire balance without permission.
Product: Debt collection

I have been trying to see why I have so many late payments reporting. I have been current for as long as I can remember and after pulling my report to purchase a home they informed me I have late payments reporting with capital one. I have tried multiple times to write into the company with no response. Please help me.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to rectify this matter with Equifax. They have failed to validate or even reinvestigate the following accounts : XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number : XXXX XXXX Equiifax has completely failed to conduct a proper investigation nor have they provided me with how they verify these alleged accounts per my rights as a consumer.
Product: Credit card or prepaid card

On XX/XX/2022, I went to XXXX  in my town that I live in XXXX  mn, I was going to withdraw XXXX dollars, when I put my card in and put in the amount, it said to remove your card, I went to put my wallet in my back pocket, and when I went to retrieve my money the machine sucked it back in, I did not leave the machine, I called for XXXX  customer service and somebody came over and spoke with me, they said that they have nothing to do with the ATM, so I called the phone number off of the ATM, they said that they know that I did not receive any of the money, so then I called my card and they said that I had to file a dispute, they gave me no address to send it to, I didn't have a pencil and paper with me, to write down anything, that has really put me in financial distress, that is what I live on is my social security, I have talked to them 3 times and it is always the same response that they are doing a investigation, I just want my money back, I don't know how that they can keep my money, I don't know why they won't give it back, that's my money not theirs, thank you,
Product: Credit card or prepaid card

I see 30 late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

Went through XXXX with XXXX, and according too the XXXX company myself nore USBANK. We're supposed too be able too be represented by a Attorney, or Law Firm. As an XXXX is like a small claims case. But for some reasons USBANK, was allowed too not only be represented by both. But was allowed too present false, and tampered with documents in the case. Where when I disputed the evidence and documents. The hearing Judge. Said, for me to provide copies of my original documents where I sent statements, receipts of funds from me being put in the accounts and documents that the accounts were indeed, mine. But according too USBANK, supposedly Attorneys. At first they claim USBANK, said the accounts were not there's. Then a week before the Judge ruling USBANK through their Attorneys claimed that they had found the accounts and numbers. But that the accounts nore the account numbers were under my profile. So when I asked, the Judge about why would the accounts be under my name, social security number and address and it shows I was placing funds in these accounts. The Judge said " USBANK Attorneys, if it turns out that these accounts are indeed XXXX XXXX, I will have too rule in his favor and award him the amount he is requesting are you all sure that you don't want too try settling this before I make my ruling? USBANK Attorneys said NO. These accounts have nothing to do with XXXX XXXX. Where I was giving the final statement where I said " Your honor, once again if these accounts were not mine why would I have been paying the accounts, why would I be putting money in these accounts and why would these accounts be sent too me under my personal information? " After the XXXX, I was told I could get a copy of the audio tape of the hearing. When I called the XXXX company, they claim that they could not find any information on the case. Which was strange, because they sent me the ruling document. But then claim that they couldn't find anything on the case in their system. Then I seen your company went after them and won.
Product: Debt collection

on XXXX XXXX I was notified that a collection was put on my credit report from a company i don't know. i have never been contacted by phone. letter. or in person by this company. there is no amount stated. I want this removed from my credit report it is doing me great harm,
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my XXXX and Experian credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inquiries listed are not mine, and I do not have any ties to the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX. XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently contacted XXXX about the inaccurate reporting they have showing on my credit file asking them to remove these inaccurate alleged accounts they claim are mine. XXXX  hasnt complied with the Fair Credit Reporting Act, they have not removed these inaccurate and unproven alleged accounts. I want to make the CFPB aware of XXXX willful non compliance in case I have to move forward with a civil suit against XXXX. 

To XXXX  please delete these inaccurate accounts immediately. 

The alleged accounts are XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX XXXX be on my credit? How? XXXX XXXX  XXXX???? without out me noticing it. Please I need this off my credit including XXXX XXXX, XXXX and XXXX  inquiries. Please Im sorry but Im stressed.
Product: Checking or savings account

On XX/XX/year> a transaction for {$2900.00} was fraudulently made from my checking account with US Bank to a company called XXXX. I had previously had problems receiving notifications that attempts were being made to login to my online banking and contacted the bank immediately. During that time they thought that my debit card was compromised and issued me a new card. On XX/XX/XXXX, during the middle of the night, I received a text message to verify my identity to login to my account. I did not respond and the next morning logged into my checking account to see the fraudulent transaction for {$2900.00} to XXXX. I immediately contacted the bank and started the claims process. The account was frozen and a new account was opened with any remaining funds transferred. On XX/XX/year> provisional credit was issued to the new account for {$2900.00}. However, on XX/XX/year> an ACH transaction made by the bank removed {$2900.00} from my account which resulted in the account being overdrawn. I contacted US Bank customer service and was told that the investigation by the bank was complete and they denied my claim. I received no letter or paperwork about this. The agent said my options were to contact XXXX directly. However, I have no account with that company. No further assistance was provided to me by US Bank.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles approach to handling disputes, particularly in light of the recent CFPB lawsuit that has highlighted significant issues with the platform. Over time, I have used Zelle many times and reported discrepancies, but neither my financial institution nor Zelle took adequate steps to investigate my claims. I was told that recovering lost funds wasnt possible and that tracking the transactions wasnt feasible. The CFPBs findings suggest that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about the safety of the system for consumers.
Product: Debt collection

I have disputed this 3 times. They are reporting duplicate debts of {$300.00}, also listing it as unpaid. It is paid, and they should not continue to report duplicates. They were also doing this with a {$39.00} dollar charge, but finally they removed that duplicate, still not listed as paid though. 


Collection Agency XXXX XXXX  Original Creditor Name XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX  Account Number # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

My loan was sold to SST due to the company by the name of XXXX XXXX XXXX no longer in business. During this time due to the transition of my loan it got behind not knowing where the loan was being serviced. I finally got a letter from SST and contacted them they advised me to pay {$25.00} in an extension and my loan would be current. Well the following month this was not the case. I get a statement showing that I was still behind and the money took was not for the loan it was just for the application for applying for an extension that was never approved but I never got a call nor a letter stating either one so therefore I was never aware of where this loan status as far as I was concerned when I paid the agent he said I was current cause I had paid the money required to extend my loan. I called SST and they tell me that my loan extension was declined the day before I applied for the extension this did not make any sense then they put me on hold again and said well we tried to call you but we never got you well I have voice mail so that is not the case. Then after that she put me on hold again and made up another excuse that clearly did not make any sense whatsoever. Now my loan is over 100 past due to to the misinforming of the staff carelessness. I am getting nowhere with this company they took my money on false pretense and acted as if it was not big deal. Then made up an excuse that clearly was out of the ordinary just to get out of the extension now I am out of {$25.00} paid which by the way was denied the day before I applied for the extension which makes absolutely no sense whatsoever.
Product: Mortgage

I had contacted the Justice Dept about this http : XXXX and since I was n't currently in the Military they told me to contact you on this site to see if there was anything else that was done for anyone who " Tried to work with their Mortgage company/bank but went into foreclosure because they could n't get in touch with them. I was dealing with GMAC at the time ( 2008 ) and needed to put a couple payments in the rear in order to take care of my daughter but ended up going into forclosure. We tried to ask for a short sale as well but no response. The Justice dept just thought if there was anything I could look into it would be your dept?? Just thought I 'd ask around. Here is XXXX email from 2008. 
From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2008 XXXX To : XXXX XXXX Subject : Ref Loan # XXXX Your File # XXXX XXXX, I got your email address from your company website so if I should be speaking to someone else please let me know. 
This is XXXX XXXX of XXXX XXXX XXXX, XXXX Md XXXX I have been trying " unsuccessfully '' to get in touch with GMAC Mortgage about my Loan. As of today, I 've called XXXX XXXX and XXXX XXXX at XXXX and left her numerous messages. She use to call me back in the very beginning but now I ca n't get in touch with her or anyone. 
I 've sat on the phone for over XXXX, XXXX, XXXX, XXXX, etc..etc ... Noone ever answers and I need help .... 
When I talked to XXXX XXXX back in the XXXX she approved me going through a " shortsale '' process and we 've had XXXX some people look at our house. The price was lowered XXXX and it is still sitting even though XXXX people have come back 3 and 4 times noone has put an offer on it. 
My Realtor XXXX XXXX in XXXX Md, wanted me to find out if there was any way you could help me get in touch with GMAC? I moved my family out into a rental home a mile away and our new address is XXXX XXXX XXXX. XXXX Md, XXXX ... My cell phone is XXXX. I can be contacted on that after XXXX everyday. My wife XXXX can also be contacted at XXXX anytime during the day. 
We are trying to be " Proactive '' but we just ca n't get in touch with ANYONE at GMAC. 
I know they 're swamped but if you can give us any advice, please do ... 
We were even trying to see if GMAC would do a " Cash for Keys '' if that is possible? My home is in beautiful condition as well. 
My Realtor thinks it could sell at anytime but we just need alittle more time. The XXXX was turned off at the home though so I would hope GMAC would want to get that turned back on so the pipes do n't freeze. 
Please, Please, Please call or write me at your earliest convenience ....
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries ( XXXX XXXX, XXXX XXXX ), which I have not approved or given written permission to furnish in my credit report.
Product: Debt collection

i offred to have insurance pay for it as insurance was and is active however no changes were ever made. i have lupus most debt is transport and or xray services that medicaide and XXXX should have covered. its more than XXXX account with particular XXXX to be exact
Product: Mortgage

Refer to case number XXXX copy enclosed Recived foreclosure notice, copy attached. XXXX XXXX cashed most payments then returned last payment demanding a {$22000.00} payment. I retained another lawyer. Letter attached. Foreclosure set fo XX/XX/2017.. XXXX XXXX have been devidingmy payments, taking payments for Tax escrow despite the fact that taxes have been deferred because of homestead exemption of elderly XXXX owner. One rep of Fay told us to carry our homeowners insurance. We got our own coverage. Fay sent notice stating that they would pay for insurance. Now we were paying for insurance and Fay was charging our account with insurance further deleting our applied payments meant for the mortgage. please see attached.
Product: Credit card or prepaid card

XX/XX/2019 I bought a lawn mower from Home Depot. I was told by the clerk if I opened a Home Depot credit card account I would not be charged any interest for 6 months. When the 6 months was passed I was charged {$350.00} in interest. I had no idea that if I didn't pay the card off in the first 6 months I would be charged that kind of interest for the first 6 months. What a CON job! I '' m single, retired and on a fixed income and would never of opened this card if I would have known this would happen. It should have been explained to me. Maybe the clerks get a bonus for getting naive people like me to open accounts. I called Home Depot and complained but they just blew me off. I asked if I would get a responce from Home Depot and was told probably not. That was a few months ago.
Product: Debt collection

In the year 2020, I was in Debt with American Express, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I owed around {$3000.00} to American Express, around {$5000.00} to XXXX, & {$1900.00} to XXXX XXXX XXXX XXXX XXXX. I have payed off all my American express cards but they closed my accounts, XXXX is paid off in full and the account is still open but their evaluating my account to see if they can reinstate my credit. XXXX  account is closed but the balance is fully paid off. All accounts are paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I contracted XXXX XXXX XXXX XXXX XXXX ( XXXX ), a debt management company, to negotiate with my creditors and establish a debt management plan ( DMP ) with them, in XXXX of XXXX and was in effect until XX/XX/XXXX. XXXX did so, buy failed to make the payments on time thus the creditors ( especially Banco Popular de Puerto Rico and others ) reported to XXXX and other credit reporting companies, late payments. 

When I contracted XXXX  my accounts were up to date, since they failed to comply with the the payment terms agreed with the creditors, I am now refused loans, and if I obtain one it is at a high interest rated. I tried to be responsible and pay off my debts, and at age XXXX, my credit has been damaged and I have to pay high interest rate. I will take 7 years for the late payment information to be removed from my credit report that is hard to accept for trying to be responsible. 

XXXX debited my bank account for the agreed amount without exception monthly, up to XX/XX/XXXX. I disputed the credit reporting with Banco Popular de Puerto Rico and XXXX XXXX, but they decline to correct, since they had agreed to the DMP with XXXX, who failed to comply, not me. On XX/XX/XXXX, I filed a complaint ( XXXX ) with the local XXXX XXXX XXXX XXXX XXXX ). XXXX did not reply with the 20-day requirement. XXXX has not filed for a renovation of their license.
Product: Credit reporting

I have repeatedly disputed public record listed on my credit report for a state lien from the state of Georgia. I have requested information on the source in which the credit reporting agency received this information and have yet to receive it. I have contacted my local clerof of superior court and they do not have a record of this information. I have also contacted the Georgia dept of revenue and they also have no record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several accounts since being notified of this on my credit to have this corrected through disputes and through here. I have spoken with XXXX at XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  she stated that there was no outstanding balance owed from XX/XX/XXXX XXXX
Product: Debt collection

called and said he was from google trying to collect {$1400.00} for advertising i never asked for
Product: Debt collection

I received a call at XXXX on XXXX/XXXX/2015. The representative did not disclose that it was an attempt to collect a debt and never confirmed who she was speaking with before discussing the debt that I supposedly owe.
Product: Credit card

I have been a bank of America customer since XX/XX/2005.I opened a checking, savings and a credit card account, my issue is with the credit card account 's APR percentage, it went from10.99 % to 16.99 %. I spoke to the account manager/ account specialist about lowering the APR I was told there was no promotion available for my account they could n't do anything for me. The reason for the APR increase was the bad economy, the economy has recovered yet Bank of America refuses to lower my APR. I feel wronged ... that 's not how you treat a loyal customer!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX and Equifax have been reporting a bankruptcy on my credit file for XXXX  years ago. I have asked them both how they verified this information. Both bureaus replied that they used XXXX XXXX to verify this information. I disputed this bankruptcy item with XXXX XXXX and on XX/XX/2021, I received a letter from them stating they have removed the bankruptcy item from my report. XXXX XXXX has removed this item but XXXX and Equifax refuses to delete the item from my credit report even though I have sent them proof that XXXX XXXX has delete the unverifiable item. Please see the attached documents.
Product: Credit card

I have been a Capital One card member in excellent standing since XXXX I never defaulted on my account nor was I ever late in sending my payments On XX/XX/XXXX I made an electronic ( ACH ) payment of {$500.00} from my business account to Capital One credit card account. The funds were deducted from my business accounts and were applied to my Capital One credit card account immediately. 
My balance due to Capital One was {$4500.00} ( out of {$5300.00} line of credit ) In other words I still had a " credit '' of {$790.00} available yet, a dinner transaction of {$39.00} was declined twice by Capital One. 
Capital One refuses to provide a written explanation as to the reason why they card was declined. 
This is not the first or the second or the third time over the last 16 years that Capital One does that to me. 
During XXXX back in XXXX, both my house and business had no electricity, phone service or Internet service, yet Capital One Credit refused to increase my line of credit by {$200.00} to allow me to purchase an emergency generator. Then too they refused to provide any written explanation as to why my request for small emergency increase in line of credit was not granted.