23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My escrow changed and I was not notified because I was on electronic documents. My payments were made automatically from my account and were short. I wasn't called or notified by mail of an issue until 4 months after the problem started. In XXXX I called to straighten the situation out and was given an incorrect figure to bring the account current. The representative pulled from my bank account {$130.00} and should have been {$1300.00}. I was called a few days later to say it still was not correct. On XXXX XXXX The Truist representative pulled from my bank account the difference which was {$1200.00} to bring the account current. I requested to speak with a manager and was told no one was available. I requested a call back and never received one. I also requested to remove the escrow and pay the INS and taxes myself and was told I was denied because I live in a flood zone. This is despite the fact that I have over 80 % equity in my house. On XX/XX/XXXX, I over paid the new mortgage amount oXXXX XXXX by paying XXXX. In XXXX, I received a new statement that included another late fee. I called again and was told it could not be waived. I asked to speak with a manager and was told that one was not available and would receive a call back. I never received a call back. I have not missed a payment in 9 years. I have paid XXXX dollars in late fees and even after I have done everything possible to get this corrected I am still being charged late fees. When I asked if I could get something in writing showing the account is now current, I was told I would have to wait for a new statement. This is blatant robbery and Truist is intentionally using this opaque process to make money on late fees. If the figures to bring the account current were not correct, that is the fault of Truist and I should not be charged late fees. I have wasted several hours on the phone trying to get his resolved and I am still getting the runaround.
Product: Credit card or prepaid card

On XX/XX/XXXX I had my mother make a payment in store but she couldnt make it so I made a payment through my account. So it was a double payment. I called to see how can I get it reversed. One of the Representative told me to call my bank and make a stop payment to get my money back. So I did thats. XX/XX/XXXX I made a payment with my bank account. XX/XX/XXXX I got an email stating thats the payment didnt go through. I called right away to see what happen. Called my bank to remove it then called right back and made the payment again. The representative told me I should be fine I should get a fee or anything should happen to me. On XX/XX/XXXX I get my statement with a late fee as well with another letter saying my account is being closed due to number of dishonored payment on this account. I called down XX/XX/XXXX to explain to them thats this was something one of there employees told me to do and now Im getting my account closed and its going to affect my credit score and my history for something they explain to me to do. This is for Walmart credit card with synchrony bank
Product: Credit reporting

On XXXX XXXX, 2015 I submitted a email to Experian at email address XXXXXXXXXXXX requesting that these services be cancelled. Due to I only wanted to complete the trial period. In reviewing my checking account information and I noticed that on XXXX XXXX, 2015 and XXXX XXXX, 2015, I was billed for monthly services after I followed their procedures on how to cancel their membership. along with submitting the cancellation request 2 weeks prior. I reached out the Experian and escalated this matter. I was advised that my funds would be credited back to my account on the next billing cycle. On XXXX/XXXX/2015, my account was credited then the amount was taken out of my checking account again on the same day. I brought this issue to the attention on the Experian support team, and I was advised that they were n't able to find my account information. In which I advised Experian that the statement was complete false due to the money was credited to my account then withdrawn again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account SYNCB/AMAZON PLCC 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

I had cosigned for a vehicle for my son. The financer was ALLY. My son was unable to make the payments due to a financial hardship and he allowed ALLY to repossess the vehicle. ALLY picked up the vehicle. The money owed on the vehicle was {$77000.00}. They sold the vehicle at an auction for {$50000.00} which left a remaining balance of {$27000.00}. After which, they charged an egregious repossession FEE of {$25000.00} making the total amount owed on this vehicle {$52000.00}. 

A normal repossession fee is between $ XXXX {$750.00} in the state of Florida XXXX We have reached out on several occasions to request more information on where this total amount came from because this MUST be a mistake. There is absolutely no way that this is a real fee for repossessing this vehicle. This company has failed to communicate and this has been hurting my credit for nearly 6 months with no communication from ALLY regarding this insane fee.
Product: Credit reporting or other personal consumer reports

I am reporting the following companies : THE BEST SERVICE and XXXX XXXX both companies are reporting on my credit reports for the same account. XXXX XXXX sold the account to The Best Service both companies are reporting different amounts for the same account I have made a dispute for both companies I have uploaded receipts showing account was paid before the collection was made to no prevail to have the accounts removed from my reports companies have given unexcusable results I would like upper management to look into issue.
Product: Credit card

I had made a payment of {$240.00} on XX/XX/. I was told it would take a couple days to clear. To this day, XXXX XXXX XXXX my available balance has not reflected this payment. The bank was charged a day after payment was made and the payment shows it went through through the credit card 's online services. I made several calls. At first I was told it would take a couple days. So I called five days after the payment was made and I was told it would take 5-7 business days and the reason it would take this long was because I made several payments in one billing cycle. I called last week and was told it would take two weeks so by the end of the week ( today, XX/XX/XXXX ), my balance should reflect payment. I was told in order for it to clear before the date, I needed to have a conference with my bank. The representative I called on TuesdayXXXX XXXX XXXX XXXXXXXX said he couldn't complete the conference because there's a lock on payments that not even a supervisor can override. I called today, XX/XX/XXXX, and had a conference with my bank, but the representative was only able to reflect my most recent payment which was {$40.00} made on XXXX XXXX XXXX, posted through my bank account XX/XX/. So when I called back again, a different representative told me the {$240.00} payment had a 15-day hold on it. The only way to clear before then was to have a conference with the bank. However, the call where I had a conference with the bank mentioned both payments ( {$240.00} and {$40.00} ). So I told the representative I already had a conference and mentioned both payments posted. He just kept saying it should clear by tomorrow, XXXX XXXX XXXX. When I asked him why this hold took place, he couldn't give me a direct answer. And when I asked him how to avoid this from happening again, he kept saying to have a conference with my bank and was assuring me it actually wouldn't happen again. When I asked him how this hold would be any different from any future ( potential ) hold he said, " Very good question. You see, Target- '' and he disconnected the call to avoid giving me an answer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XXXX XXXX XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I closed the account on XXXX XX/XX/year>. A credit balance of {$1800.00} remained in the account. I requested that balance be forwarded to me immediately. I was told it would take up to ten working days. That ten working days has passed, yet the account still shows a credit balance owing to me in the full amount of {$1800.00}. The company refuses to disclose when or even if a check will be issued. They are withholding money rightfully due to me without clear and cogent explanation.
Product: Credit card

On XX/XX/year> Navy Federal Credit Union withdrew {$750.00} from my account without my authorization. I never consented to this transaction, and I immediately contacted the bank to demand my money back. Instead of resolving the issue fairly, they only issued a partial refund, leaving me without the full amount that was wrongfully taken. 

This unauthorized withdrawal has caused me severe financial distress, impacting my ability to pay essential expenses. I have tried to resolve this matter with Navy Federal, but they refuse to return the remaining funds. Their actions are not only unfair but also completely unacceptable and unethical. 

I demand a full refund of the remaining amount immediately. If this matter is not addressed, I will escalate my complaint further and pursue any necessary legal action. Consumers should not have to fight to retrieve their own money from a financial institution that is supposed to protect them.
Product: Credit card or prepaid card

I paid for 5 flights in XX/XX/2020 for flights in XXXX and XX/XX/2020 Due to COVID all my flights were cancelled and I have written Capital One Bank credit card asking for refund on these 5 flights on seven occasions with letters direct to : Dispute Dept Capital One Customer Service Disputes XXXX  XXXX XXXX, Utah XXXX RE : XXXX XXXX XXXX XXXX I have received credit on one flight and others are in wait without explanation as to the delay .I sent documentation of all flights cancelled by airlines die to pandemic Capital One is a bank and I am told they should do a chargeback for services not rendered The 5 flights are {$1500.00} One flight credited {$980.00} I have withheld % XXXX from ongoing charges each month while awaiting other 4 chargebacks Capital one has the audacity to charge me monthly interest for the {$570.00} held! 
The airlines are taking slow walk to refund cancelled flights! 
Can Consumer Finance help?
Product: Checking or savings account

On XX/XX/XXXX at XXXX CST, I, XXXX XXXX , transferred 1 USDC crypto currency token from Robinhood to another account. This was successful. 

At XXXX, I was not able to transfer XXXX other USDC

due to Robinhood restrictions on my account immediately for this attempt. I contacted Robinhood through their application automated system for assistance and they requested a proof of ID, bank statements, facial scans, and a call. 

XX/XX/XXXX, I tried contacting directly but no way to access a human being for assistance I was contacted by Robinhood automated system on XX/XX/XXXX but for two hours on the line no one answered. I was I texted by
Robinhood automated system on XX/XX/XXXX but for four hours on the line no one answered and it automatically disconnected at the 4 hour mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Checkr, a background reporting company, reported a public record had information that was adverse for my employment with XXXXXXXX XXXX. Some time has passed since then, and I would like them to update my report to the latest report of information so I may be allowed to be employed at XXXXXXXX XXXX. I have been attempting to resolve this for some time now. I currently deliver for XXXX in the mean time, and I have maintained above a XXXX customer approval rating and have been employed by them since late XXXXXXXX XXXX XXXXXXXX. I believe this reflects my ability to be employed by a company similar to their services, XXXXXXXX XXXX.
Product: Payday loan, title loan, or personal loan

Called XXXX XXXX XXXX to pay off payday loan and the debt was sold off multiple times and ended up in the lap of people calling themselves assurance made payment plan with them and would not give me itemized documents for payment plan or proof of payment plan turns out they are using the name universal at phone number XXXX they did charge me the amount listed and agreed on but I need documents or how else am I going to prove Im making payments. They were calling my family multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Attached are screenshots of the accounts I stated that are not mines and also documents from my recent Equifax Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through XXXX : XXXX : XXXX Equifax : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Also, I have some personal information that needs to be addressed as well. Can you please in-vestigate and remove these names as well? It should only be as listed at the top of this letter. 
Wrong Names : XXXX XXXX Wrong Addresses : 1 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 4 ) XXXX XXXX XXXX XXXX, MD XXXX 5 ) XXXX XXXX XXXX XXXX, MD XXXX 6 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 7 ) XXXX XXXX XXXX XXXX, MD XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Wrong Employers : 1 ) XXXXXXXX XXXX 2 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I stayed around 10 days in hotel XXXX, at XXXX XXXX XXXX A, XXXX, CA XXXX close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least XXXX of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! 
XX/XX/XXXX  : 1. XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX 4. XXXXXXXX XXXX XXXX XXXXXXXX 5 . XXXX XXXX XX/XX/XXXX  Dormant Acount Activity Lender : AMEX/XXXX  Amount charged : {$520.00}
Product: Mortgage

My mortgage was transferred to NewRez LLC on XX/XX/XXXX. Around XX/XX/XXXX I received a letter confirming the terms, balance, etc of the remaining mortgage. In this form I noted a {$25.00} Fee. I contacted New Rez, spoke to XXXX on XX/XX/XXXX. She advised it was for NSF from the previous mortgaging company, XXXX. She could not provide me with any additional information such as date and details. I advise XXXX I disputed this fee as I have never been notified of such a charge or problem. I sent a letter dated XX/XX/XXXX, stating this fee was disputed and I did not intend to pay it and to advise when corrected. On XX/XX/XXXX, I received a form letter stating they were " working on it ''. On XX/XX/XXXX ( 4 months later ), I wrote to NewRez and advised that I was considering this cleared as they had not responded to my XX/XX/XXXX letter. On XX/XX/XXXX, I received a letter saying they were " working on it. '' On XX/XX/XXXX, I received another letter that they were " working on it '' and on XX/XX/XXXX, received a letter stating " a payment may have been returned... '' for 1 of 15 reasons and therefore they were not correcting this charge. NewRez did NOT provide me with the date of this charge or the specifics. And telling me it might be 1 of 15 reasons is insufficient in itself.
Product: Debt collection

I received a letter from Convergent Outsourcing, INC dated for XXXX XXXX, The letter stated they were trying to collect an alleged debt originally from XXXX in the amount of {$400.00}. I have never had an account with XXXX, I asked Convergent Outsourcing, INC to validation the date. I sent letters requesting validation on XX/XX/2023. Convergent Outsourcing, INC has yet to provide any documentation to confirm any debt owed to XXXX.
Product: Debt or credit management

On XX/XX/XXXX I went to a XXXX western ATM to withdraw {$60.00} from my XXXX XXXX account. The ATM took the money from my XXXX XXXX account, but it didn't give me my {$60.00}. It gave me an error message instead. I went to the bank during business hours and they told me they wouldn't give me my money back. I called XXXX XXXX, but my address has changed, so they're going to make me jump through a bunch of hoops, but can't just give me my money back. I didn't receive it even though XXXX XXXX removed the money from my account, stealing from me when I can't afford to loose any money as I live hand to mouth, with limited funds to pay my bills and survive the month.
Product: Credit reporting or other personal consumer reports

I never opened this account. I filled a police report. I disputed with the credit reporting agency. They never provided me with validation of debt or my signature. The credit reporting b agency did not take my dispute seriously after reporting fraud and unauthorized and advised them of my police report. I am a senior citizen and I'm XXXXXXXX XXXX XXXX XXXX  This is affecting my credit and causing me much grief. I would like this too be removed immediately and the issue rectified immediately. 
Jefferson Capital debt buyer oXXXX XXXX XXXX date reporting opened XX/XX/year> amount reporting is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a public record investigation request to LexisNexis XX/XX/XXXX. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA PUBLIC FILINGS US BKPT CT IL XXXX XX/XX/XXXXBKPT CHPT XXXX DIS
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021