23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX of 2019 my husband and I assumed a VA mortgage from a seller with Freedom Mortgage and we are beyond dissatisfied with their handling of this account. The first issue was that we were informed 4 days after we closed that the previous owners of this mortgage had a {$1300.00} shortage in their escrow impound account and it was not disclosed to us in the process of closing. Their explanation was that it was disclosed to us by telling us what our estimated monthly escrow payment would be. We were not made aware that it included an increase in that payment due to the deficit. 
Second, I asked for an escrow analysis be sent to me to see after this incident and I was shocked at their accounting practices. Some months they pay into the account, other months they do not, and sometimes they double up the payment into the impound account. We tried to resolve the whole thing with them by writing a letter to their escrow department and asking to drop the impound account. We are more than capable of paying for our homeowners insurance and taxes. They declined and said XXXX XXXX backed their loan and the rules are that you need to have an impound account for two years. Then they retracted that statement and said it was their own rule. For the life of me, I can't get a person on the phone who can help me there. I reach a dead end in the 40 or more hours I have been on the phone with them. I start with the XXXX  number, escalate it to a supervisor, then the their " ambassador '' level and every time, they say they will look into it and call me back and NO ONE ever does. I have a list of every phone call and all the supervisors I have spoken with and their ID numbers. I can't get my loan serviced. Help! See attached documentation.
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 XXXX  XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX XXXX XXXX, PR XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3400.00}, XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$27.00}, XXXX OF XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX Email Address : XXXX You are in Direct Violation Of The Fair Credit Reporting Act ( Account Name & Number # ), had the violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish an 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. Remove these lates payment and update this account immediately as you are in direct violation of several law under the Fait Credit Reporting Act
Product: Credit reporting or other personal consumer reports

XXXX XXXX holds my installment account for a small loan of XXXX that began XX/XX/year>. 
Acct # XXXX I set up autopay online and made consistent payments manually for XXXX. The autopay began in XX/XX/year> and was completed without error. However, there was some internal error either within XXXX or my bank which led to a 30 day late payment on XX/XX/year>. I was never notified by XXXX that the autopay of XXXX was not completed so I assumed it was processed. 
This is the only 30 day late payment on my credit and its preventing stellar scores. XXXX has not been cooperative in admitting any communication fault nor offering any good will adjustment on my credit.
Product: Student loan

I received a call from United DocuPrep on moday XX/XX/XXXX like at XXXX where they told me that they were can I consolidate my student loan they even told me that they were going to remove {$190.00} from my bank account for 3 months and approximately {$19.00} or {$20.00} starting on XX/XX/XXXX. For a moment I didn't even think about that that call could be a scam. XXXX XXXX is the company that lent me my student loan. I feel so stupid for giving them my information
Product: Credit reporting or other personal consumer reports

I am part of the Equifax data breach and I do not recognize nor did i authorize these companies to make credit inquiries on my report, I tried to dispute them and they keep on saying that i have to get the company to remove them, They cant remove them
Product: Credit card

I ordered a radar detector from XXXX on XX/XX/2017, received it XX/XX/XXXX. Used it 2 days decided it was junk. Tried to get a RMA, they said they would. They did n't. They wo n't respond to my calls or e-mails ( I 've left over a dozen ) I believe these guys are scam artist and are hoping I will just give up
Product: Credit card

I am having issues regarding interest fees and late charges that has been applied to my credit card store account from ROOMS TO GO/SYNCHRONY ; As I was checking over my payment history, I noticed that I was being charged interest fees despite the fact that I was under the impression that a promotional offer stating " no interest '' until XX/XX/XXXX. Also the first payment of XX/XX/XXXX until present ; I have been charged a late fee of XXXX dollars to currently they are charging late fees of XXXX dollars. I believe this situation may be in violation of the terms advertised at the time of my account opening. As a consumer, it is crucial for me to have clarity regarding the agreements made by my credit card issuer. I would appreciate your assistance in investigating this matter ;
Product: Credit reporting or other personal consumer reports

The following account has been on my XXXX and Transunion credit reports for years : XXXX - XXXX XXXX Acct # : XXXX Alleged date opened : XX/XX/year> Alleged balance owed : {$2500.00} This account is not mine and needs to be removed from my consumer reports. I have requested the following information from XXXX XXXX XXXX Bank for them to investigate the fraudulent account : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that gives you rights to collect in my state. 
6. The purchase agreement 7. Swear under penalty of perjury you were present during the alleged debt 8. Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers are correct 9. Master Bill Of Sale 10. Proof that the account number XXXX is 100 % accurate since this number was reported to my credit report. Anything account other than XXXX is not 100 % accurate and therefore would need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

My credit report contains inaccuracies under 15 USC 1681c-2. The hard inquiries listed were not authorized by me and should be removed immediately.
Product: Credit card or prepaid card

Person has stolen my identity and My girlfriends Identity. Her name is XXXX XXXX. My name is XXXX XXXX. Person keeps opening up Cash App cards in our name in order to steal from our personal accounts. The number they used to open up cash app is XXXX. I do not have cash app. I just received code XXXX.
Product: Checking or savings account

Account Number : XXXX Claim Date : XX/XX/2023 Claim Number : XXXX Claim Amount : {$3100.00} Company XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX I have had trouble with the dispute process I had to file my dispute twice for them to even recognize it on this companys website they say that if your account is open for more than 30 days then it is not considered a new account. Although throughout the dispute process they are treating my account like a new account for example they did not give me any updates on the dispute until 20 plus days but for accounts that have been open more than 30 days I was supposed to get that information in 10 days via their policy. They claim they denied my claim because they say I said I didnt activate my card when in fact I did activate my card. My account was compromised and had a numerous amount of unauthorized charges. I even got a notification from XXXX XXXX XXXX that my banking information was being used and sold in the dark web.Now that I am denied I am asking for a reason I was denied and also to issue me a provisional credit while they re-open the investigation and actually try to solve my dispute case.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These issues include inaccurate account listings, multiple unauthorized inquiries, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me
Product: Credit card or prepaid card

When Costco changed from American Express to Citibank- my balance was high and I decided to close this account and pay it off. I had set up 2 payments of   XXXX   each month with a  XXXX  total payment each month. On   XXXX   XXXX  , Citibank withdrew   XXXX   from my account. When my husband called to complain of the mistake, we were told that they would refund   XXXX   within 3 days. We checked for this with our bank several times and then on   XXXX   XXXX   we noticed that Citibank withdrew another   XXXX   from account. Both times wiping out this account and causing fees for unpaid transactions. When I called the second time I was told the previous refund request was denied due to being over the limit. I also spent 1.5 hours with 4 different folks attempting to resolve the issue ending with a " we 'll call you '' resolution.
I have called my bank and attempted to stop payment on this transaction but it my be too late.
To sum up, within 3 weeks this company has yanked over 2,000 dollars from my account when there was an agreed payment of   XXXX    per month. I have requested to be removed from auto-pay and think the company owes me money to cover fees from the first money yank from my account. I feel that I have tried to work with Citibank and their actions are shifty and dishonest.
Product: Debt collection

Dear ( Debt Collector ) ecently received a debt collection notice from your office. I am writing to verify that you ha intacted the correct individual and to request that you provide documentation confirming th Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor 4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clear One Advantage said they would help me pay off my credit debt between 28-36 months at {$560.00} a month, and at 27 months they call and told me that it will be another 24 months to pay off my debt and denied the previous agreement. Most of the time I call Im talking to a different person and told something different. 
They record every call and they know what the agreement was from the beginning.
Product: Debt collection

I am getting repeated phone calls including before XXXX am on XXXX for a 15 day late payment to a Macy 's card!!! 
This is abusive. Every day calls. 
Today XX/XX/04 at XXXX am and XXXX am Yesterday XXXX calls as well starting at XXXX am and every single day since they started about a week ago. 

The credit card is from macy 's by dept stores XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I sent notification of identity theft on my credit report to XXXX, TransUnion and XXXX. I included all accounts that were fraudulent as well as supporting documentation. Police report and my drivers license. I filed a complaint on identitytheft.gov and forwarded the information to the bureaus and the companies reporting.
Product: Credit card or prepaid card

I called in XXXX of XXXX to close my XXXX XXXX American Express credit card and was told it was closed. Then in XXXX of XXXX I got a bill for the {$99.00} fee only to be told by the company they had no record of my call or my desire to close the card. The card had not been used in two years. 

I have spent hours on the phone with them and they refuse to cancel the card unless I pay the {$99.00}. I have talked to multiple supervisors and nothing has gotten done aside from them telling me I can re-sign up for a " blue '' card that would have fewer fees and then only have a {$9.00} fee for a one-month transaction. However, then I would be forced to take out another credit card with this fraudulent company. It feels like they are doing whatever they can to trap you in their credit cards and fees.
Product: Debt collection

I have received debt collection letters stating that I owe a debt of {$430.00} from XXXXLVNV Funding LLC , Resurgent Capital Services. This is a fraudulent account that I did not open and I have not purchased any items from XXXX. Someone else who is not me opened this account using my identity. The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. As to the current date, I have never received ANY correspondence that I owed a debt to XXXX or XXXX, from XXXX to XXXX, until just recently this summer of XXXX. XXXX years later, I am just now being made aware that I supposedly have an outstanding debt from XXXX?!? I've sent Resurgent Capital Services correspondence back notarized and reported this debt to the Federal Trades Commission and they're still saying that I owe a debt and not accepting what I have already turned in to them. 
I have called XXXX to ask if they can give me information about this account that I supposedly have and they have said, I do not have an account open with them. 
I am reporting this as fraud and want any negative discrepancies removed from my credit, my SSN #, and my name cleared of any debts owed to this company as to the current date.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sold XXXX BTC with my account with Coinbase. Per their confirmation email, I was to receive {$1100.00} USD in my bank account no later than Thursday, XX/XX/XXXX. I did not receive the deposit.
On XX/XX/XXXX, I submitted an online support ticket asking where the deposit was. I have received no response.
On XX/XX/XXXX, I sent an email to Coinbase support asking where the deposit was. I have received an email thanking me for submitting my request, but have not received any additional response.
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. 
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a public " XXXX  '' to Coinbase CEO XXXX XXXX. I have not received a response. On XX/XX/XXXX, I called Coinbase 's only advertised phone number, which is their Fraud Prevention line. I left a message and have not received a response. I know my bank account is able to receive deposits from Coinbase because I have received other deposits, including one since the sale on XX/XX/XXXX. On XX/XX/XXXX, I initiated the sale of all other crypto-currency Coinbase was holding for me and I received that deposit on XX/XX/XXXX.
The money was supposed to be in my account on XX/XX/XXXX at the latest. It has been 8 business days since the sale and 5 business days since I was due to receive the money. Where is the money? Where is the customer service? At this point, I am considering this to be fraud. Please advise.
Product: Debt collection

On XX/XX/2023 I talked with Atlantic recovery solutions and offered to settle a debt. They brought up all the other debts I owe, including to XXXX  and other credit cards, which I feel like should be privileged information. When I did not want to pay the amount that they wanted they said they were going to turn this over to legal, and pursue a lawsuit, I then told them it was illegal, and they denied threatening to sue, they also threatened to report it to my credit report.
Product: Credit reporting or other personal consumer reports

This complaint serves as formal notice that you have not responded promptly to my previous dispute notice. You advised me to contact the creditors, which I have done. According to FDCPA 809b, you are required to update these accounts until they are validated. I have requested validation, but it has not been provided. Please update the accounts now : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00} DEPTEDXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$10000.00} DEPTEDXXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$9800.00}. As previously mentioned, under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. Section 1681i ), please reinvestigate and update these disputed accounts. You have fifteen ( 15 ) days from the receipt of this letter to complete these actions, as stipulated by 15 U.S.C. Section 1681i ( 5 ) ( A ), unless you notify me otherwise. Failure to verify within this timeframe constitutes non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ). In accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me once the accounts have been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!
Product: Checking or savings account

XXXX XXXX I deposited a XXXX check for XXXX and the ATM stated we are unable to process the check submitted. It kept the check and my debit card. After several attempts to get the machine to give me back both items failed, I went inside to customer service I attempted to explain but was met with unprofessionalism and rude personnel, which cause me to lose my composure and become irate after being advised the check could be a stolen. I've banked with Randolph Brooks Federal Credit Union for 10 years. I've never wrote a bad check over drafted my account maintain an average of XXXX. - XXXX in my account. They're response was shrugging and rolling their eyes. I demanded my entire account funds and was told to come back for the check funds. I Called customer services and again was told the only reason that could happen is if the check is fake. i called back this week XX/XX/27 and the check was deposited. IT WAS NOT STOLEN AS THEY ACCUSED ME OF!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I went to the car dealership and was trying to apply for a car. They said they was going to give me a soft inquiry on my credit but when I checked there was a lot of hard inquiries. The names are XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

They would call allday from different numbers then hangup and email me after I asked them to stop calling and send Info for verification
Product: Debt collection

I, XXXX XXXX, the consumer and original creditor in fact, are aware of your fraudulent and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, the applicant, initiated a Consumer Credit Transaction using my Credit Card 15 USC 1601 ( 1 ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), but the consumer which is myself never benefited. 

CONSUMER ADJUSTMENT CO has violated my consumer rights and also has violated the XXXX law. 
I am demanding CONSUMER ADJUSTMENT CO to report to delete the collections to all reporting credit agencies within 7 days of receiving this letter/complaint. I, XXXX XXXX, never gave CONSUMER ADJUSTMENT CO to furnish information on my behalf 18 U.S. Code 1028A. I am demanding {$1000.00} for each violation to my consumer rights.