23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I set up auto-pay for my second mortgage payment. The autopay took money from my checking account on XXXXXXXX XXXX XXXX XXXX- the due date. 

However, I started getting threatening letters from the mortgage company/lender. They were threatening to start foreclosure proceedings. 

I immediately wrote back, providing proof and their own confirmation number. They didn't give a XXXX, despite their fake investigation that they began which took far too long. It was extremely harassing and stressful, considering we just bought our very first house ever and this was our second scheduled payment. 

Then they began to threaten foreclosure proceedings. So I had no choice but to pay them a second time in XXXXXXXX XXXX and contact my bank for a refund of the uncredited XXXXXXXX XXXX XXXX payment. 

HOWEVER, the XXXX mortgage company/lender is now charging me a FINE of {$25.00} for the extreme distress that they put me through by not properly crediting my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After living at XXXX at XXXX XXXX XXXX for over two years I suddenly started feeling sick and felt a weird sensation coming from the upstairs neighbor 's apartment. I often heard a rolling sound following me as I moved. I went upstairs and told my neighbor that something was making me feel sick in my bedroom and asked if she noticed it too. She said she wasn't sure of what it was. I also saw several maintenance men in her apartment, pest control, and they even replaced the carpet. 

During that time I started to having someone attempts to break into my apartment at night. My front door had two locks. One that is accessible from the outside and the other that can only be accessed inside. One night, while getting a drink in the kitchen, I noticed someone unlocking the bottom lock using a key. Thankfully the top lock was bolted and they could not gain access. I reported it to the apartment manager and requested that the locks be changed. The locks were changed, but the same thing happened twice again. All these incidences were reported to the XXXX County Sheriff Office. 

Shortly after the man downstairs, got sick I found myself in and out of the ER and the doctor 's office. The final event that frightened me so much, I knew I could not stay there any longer. On XX/XX/2018, at XXXX XXXX I was at work and I got a notice on my phone my personal camera detected motion. When I looked at the footage I say a maintenance man entering my apartment to replace an already clean AC filter. The apartment policy is that filters are replaced by the residents. After he walked into my apartment, he moved my camera out the way so I could not see what he was doing. Once I got home that day I started searching for a new place. 

Once I found a place I asked the apartment manager if she would let me out my lease citing the maintenance staff incident. She agreed and we both signed a document that ended the lease on One XX/XX/2018. I already paid the month of XX/XX/XXXX and left 17 paid days on the lease. The manager soon leases the property to a new tenant and I know this because I had to visit the property to retrieve a misdelivered package which was never found. There were moving boxes outside the apartment indicating that someone moved in. 

In XX/XX/XXXX, over a month later, I received a bill from the XXXX at XXXX XXXX for {$930.00} the remaining balance in XX/XX/XXXX ; knowing that it was being lived in by someone else. The account has since been placed in collections and my credit ruined because I refuse to pay for someone one else to live in that apartment. 

Enclosed I have a list of police reports provided by the XXXX County Sheriff Office and a photo of the maintenance man entering my apartment. I can also provide the video if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed my dispute letter to Discover Bank ( see Exhibit A ) and have not received a Response. 
I need CFPBs assistance in resolving this matter because Discover Bank has provided two different addresses for disputes ( see circled items in the exhibits ). 
My complaint is that this Discover Bank account was never Delinquent and should never have been reported that way ( see Exhibits B and C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$9000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update this ASAP. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and BXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}.
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. 

XXXX XXXX WAY XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX WAY XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX JUDGE XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting a complaint for Experian I asked him to please verify the 14 inquiries on my credit report that I do not recall. They never respond to me they're giving me a hard time here under Section 609 under the statue of limitation of fcra if they can't verify with my signature and must be removed. This is a violation under fcra that if they do not respond to any of my letters or orders and follow fcra policy it is {$1000.00} violation I am asking for this to be removed it doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not updated my credit account, credit report, and credit score. I filed a dispute on XX/XX/2021 then another XX/XX/2021 and I have not received and updates in my credit report, credit score and credit account. My credit report has not been updated since XX/XX/2021 with Equifax. A "? '' is reflecting on my credit report in place of my credit score.
Product: Debt collection

Improper use of my report from State Collection Service , Inc . This collection agency is violating my rights under the No Suprise Act of XXXX I have a medical bill that an out of network provider is charging me without my prior authorization.
Product: Money transfer, virtual currency, or money service

I was trying to purchase a dog for my mother that she found on line, the price of the animal was to be {$600.00} with shipping from allegedly Montana. I was speaking with the guy over the phone trying to gauge some sort of authenticity about him. I checked the website also trying to avoid being scammed. Since I was not sure or trusting I reached out to my banking institution, Wells Fargo for some clarity and assurance about making said transaction via XXXX on XX/XX/2020. the gentleman that I spoke with told me that my money would be covered if I did not get what I was purchasing after I explained what my issue was with the seller. After I was assured by my bank that I was protected I proceeded with the transaction over 2 days time sending {$500.00} on the XXXX of XX/XX/2020 and {$100.00} on the XXXX to XXXX XXXX. Shortly after I started getting the run around about the dog. Then I called Wells Fargo to dispute which went well, they told me give it 7 to 10 days for the matter to be resolved. I then reached out to them again and now they are telling me it is nothing they can do because I initiated the transaction even after talking to a supervisor. They also apologized for the first guy giving me false information but its out their control. My issue is had I not been given the assurance from them the transaction would not have been made because I was already suspect of fraud. So now I'm out of {$600.00}, can someone please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to reach out to investigators for prof of documentation of investigation with no resolve
Product: Credit reporting or other personal consumer reports

In accordance with Federal credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish at an account without my instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/2024 XXXX XXXX XXXX came to my business to get a service. He agreed and XXXX  {$200.00} to me. I provided the service for him. After that he called his bank to dispute. My BOA did a favor for him by refunded {$200.00} back to him without talking to me. He was scammed and fraud. I called my bank n talked with BOA digital fraud department, they said the transaction was completed, nothing they can do. I am a BOA loyal customer for XXXX yrs. They refunded my money back to him without talking to me, they treated me like no one. Thats totally wrong. Would you help me reopen the case n investigate. I am attachment zelle documents to you Thank you My name XXXX XXXX My email : XXXX My phone : XXXX My claim # XXXX
Product: Checking or savings account

on XXXX they suspended my account with no notice and will not give me any answers about the status of my funds and direct deposit. I called and emailed no answers
Product: Debt collection

On or aroundXX/XX/XXXX I received a letter from TRANSWORLD SYSTEMS INC. a collections letter from XX/XX/XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent in injunction. And it also appears Transworld operated under a different parent company in XXXX and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX. Experian is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Experian written permission to furnish this account on my credit report. Experian is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Experian has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and saw XXXX XXXX reporting an account with a XXXX balances. I was upset because I actually paid the provider 's office directly and it never should have gone to collections. There was confusion with my insurance company and once I was made aware that there was a portion I was responsible for I paid it right away.
Product: Checking or savings account

I switched my brokerage from Robinhood to XXXX recently. Upon doing this Robinhood restricted my account which means i can not withdraw my cash balance of XXXX from them to my bank account. I have sent 6 emails to them and have yet to receive a response. They are holding my cash interest fee without my consent despite having my bank account linked to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each Bureau by telephone and thru Certified mail to assist in the accurate reporting of data on my credit file. There's an account being reported on my credit file of a Past Due balance in the amount of {$15000.00} owed to XXXX XXXX which, is a charged off account. I asked countless times for them to correct the error in reporting the past due balance but, in response to my phone call i only got an updated report with the same information reporting on my credit file and with a note saying, '' Consumer disagrees with dispute resolution ''. 
I also pointed out how each bureau was showing a different active date for this account after the account was supposed to be verified as accurate.I humbly told them that they should be reporting accurate and verified information on my file and anything else would be a violation of the Fair Credit Reporting Act However, they continue to furnish this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute 3 accounts on my credit report for fraudulent activity and my dispute has been denied even though I have submitted a police report to the during the dispute stating that my credit cards were stolen and charged before I could cancel them. It is for XXXX XXXX and frost bank. The third one was for a loan taken out in my name that was also fraudulent.
Product: Prepaid card

On XX/XX/24 I purchased a {$100.00} Visa Vanilla giftcard for my son. He informed me that he was unable to make any purchases with the card so I logged in to VanillaGift.com to see if I could figure out why. I wasn't even able to access info about card as their system kept giving me an error message. I began calling the company mid XXXX, sent the requested documents ( THREE TIMES NOW ) and I wait the amount of time they tell me they need to review the case. However, every time I call back they tell me they are still reviewing the case and to give it another 3-5 business days. At this point I purchased this card nearly 70 days ago and it seems they really have no interest in resolving my complaint. I have expressed to them that I was going to file a complaint against them as they have already told me they have escalated my case, but to no avail. I simply want my {$100.00} returned and DO NOT want another card with this XXXX company!
Product: Consumer Loan

I was in a current lease with Mercedes, which was set to end, and I therefore leased a new Mercedes. Unfortunately, the initial ordering of the vehicle was delayed due to the auto being delivered with the wrong options. This led to a series of extensions of the lease on the Mercedes being returned. I was assured that I would not be charged overage miles because of the errors that caused the repeated extensions of the lease. However, when the new car finally arrived Mercedes established a new account, but added the old vehicle to it. The extra mileage was charged to this account and as a result, my car payments were applied to that balance and not the lease payment, as they should have been. This resulted in XXXX erroneous 30-day delinquencies appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 XX/XX/2023.
Product: Mortgage

See attached docs for dates. I am owed {$420.00} from escrow from 2019. They sent this letter to my old address and luckily the guy who bought my house called me and sent it to me. I have reached out via email and phone number to try and resolve this matter and I sent the letter via mail back to loancare. They have not done anything about this and I have received no response over a month later. They are scamming people and withholding funds due to customers with no interest paid.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid for the rent cancelation of the amount of {$5600.00}. I was an authorized user on the account at that time. My husband disputed the transaction. I talked to XXXX  onXX/XX/XXXX at XXXX XXXX  the Discover representative and she told me that I am no longer on the account so I can do nothing about it. I made a transaction when I was an authorized user. If they let him dispute all my

transactions in all the years that I made it that would be incorrect. I have an invoice for the transaction,
Product: Credit reporting or other personal consumer reports

After getting a full credit report for all three credit agencies TransUnion, XXXX and XXXX, I noticed that some items were not on my credit report and also XXXX has not updated my credit report since XXXX when it comes to my credit cards missing information. My transUnion report shows that I am an authorized user of XXXX XXXXXXXX Reported : XXXX XXXX, 2023 for a credit line of {$1200.00} and 19 years and 3 months. But this account is missing on my XXXX and XXXX credit report.
Product: Mortgage

Need a discharge confirmation and I went to Couty Cleark to get it done, but the old bank XXXX XXXX does not exist any more. I am working on getting an equity loan. The mortgage made a mistake with the number XXXX and it should be XXXX.
Product: Credit card

my secured credit card account was opened XX/XX/XXXX, by depositing $ XXXXwhich became my credit limit. I was misled into thinking after XXXX months if my credit card balance was in good standings, I would have the opportunity to graduate my secured card into an unsecured one and have my deposit released also as stated which was {$300.00}. 

TD Bank, N.A received a lawsuit due to this negligence and misleading information XX/XX/XXXX XXXX v. TD Bank, XXXX, UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY, Case No. XXXX ( D.N.J. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX Please make-up your mind You are reporting me delinquent for Citizens one Hone loans as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX Equifax DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not XXXX not but minions of times that Citizens has provided you with the current delinquency months yet you XXXX Equifax End XXXX have failed to update it correctly
Product: Mortgage

My Mortgage is serviced by XXXX XXXX XXXX Suposedly owned by XXXX XXXX XXXX XXXX as trustee For XXXX XXXX loan trust XX/XX/XXXX-XX/XX/XXXX My loan was originated with Wash Mutual Bank  XXXX in XX/XX/XXXX My loan was sold to XXXX XXXX by WAMU   XX/XX/XXXX Chase purchased WAMU in XX/XX/XXXX from FDIC Chase send letter they are now the " investor '' in the loan ( NONE ) of these transfers are recorded as is Required by law in NJ In XX/XX/XXXX- Chase assigns my loan acting as power of attorney from FDIC according to purchase and assumption agreement that took place in XX/XX/XXXX How do you by a loan from FDIC on XX/XX/XXXX that WAMU  sold on XX/XX/XXXX Chase retained certain documents as loan servicer that it used to perpetrate this fraud Both XXXX   and Chase refuse to prove ownership of my loan
Product: Debt collection

I have a collection on my report from MCM. I have no idea who they are and I have disputed the charges but they will not remove it. I have not made any payments but they somehow make it look like I am making small payments ( example : anywhere between XXXX XXXX ) is being made on the account and I guess that's their way of showing activity on the account to keep it open.
Product: Credit card or prepaid card

I am a small business. Myself and one employee. I take credit cards for payment. I service and repair just XXXX cars. XXXX of XXXX I did service and repair to a XXXX XXXX that was towed in XX/XX/XXXX and picked up XX/XX/XXXX. Owner paid with a credit card, signed the credit card receipt and agreed to the charges. 
I had a couple of conversations afterwards with him about additional repairs we recommended and gave him advice on having that done. 
With no warning, no request for reimbursement, no dispute of charges by the owner, I received a letter XXXX mail. From Fiserv merchant services .on XX/XX/XXXX dispute Notification. Requesting my response. I contacted and talk to someone familiar with the dispute at the phone number on the letter. on a recorded phone line. I was asked to send in my repair tickets, credit card receipt, and a detail of disputing the charge back. I was requested to send this XXXX mail to a post office box on the letter. I did sell the same morning XX/XX/XXXX. On XX/XX/XXXX I called as I had not received any reply that it was resolved. Or additional information requested. And was told they had not received the letter that was mailed out the day I got the letter XX/XX/XXXX. They asked me to resend it by fax. I did so twice that day XX/XX/XXXX. On XXXX XXXX I called again. And was told they closed the case because I did not respond by XXXX XXXX as noted on the dispute notification. I tried to dispute that they did get a response on XX/XX/XXXX on a recorded phone line. The letter does not say it Hass to be only in writing for the deadline of a response. I dispute that they did not receive a letter sent XXXX mail on XX/XX/XXXX to there post office box. They acknowledged it was postmarked XX/XX/XXXX but claim did not get it by XX/XX/XXXX. 
Please help the Fiserv merchant services is stealing {$1900.00} from me.