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

My mortgage payment was due on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX I overnighted a {$53000.00} check from my Citibank business checking account to my mortgage company XXXX , however Citibank did not honor my check. I had over {$120000.00} in my business checking account. My mortgage company charged me {$1700.00} late fee plus {$60.00} because my good check was not honored by Citibank.
Product: Debt collection

I don't know who this company is. I never had any contact with them and have never done any business with them and I believe that this is a scam.
Product: Credit reporting or other personal consumer reports

This morning, I was alarmed to see unauthorized inquiries on my credit report with no clear reason why. I check my credit report regularly, and this time I found discrepancies that caught me off guard. I tried refreshing the page, thinking it was a glitch, but the inquiries remained. This situation is incredibly distressing, and I request a thorough review of the documents Ive sent to prevent this from happening again.
Product: Mortgage

On XX/XX/2018 My husband was told that if I wanted all correspondences with Wells Fargo to be in writing I would have to go a local branch and fill out paper work per conversation with XXXX XXXX. I have in the past tried to get information through a local branch and was only give a phone number to call. My medical condition at this does not allow me to go in a branch or have phone conversation.
Product: Checking or savings account

On XX/XX/2020 at XXXX XXXX., Regions Bank closed our nonprofit 's organization checking account with very little and vague notification. Once I received the email, I immediately had to reach out to them to find out what happened, and when I was on the phone with the person helping me, he did not try to help us save the account or felt any kind of XXXX towards us to aid us in any way. We only received one email of notification from Regions Bank regarding this issue, and it was back in XXXX. 

There was a large amount of money in the account at the time. I called the national Regions number to complain and see what I could do about this. The person on the phone then was very polite and apologized for the inconvenience and frustration that we are currently enduring with this situation.
Product: Vehicle loan or lease

Car has been repossessed and sold. Please delete and remove.
Product: Mortgage

After getting a payoff for my mortgage on XX/XX/scrub> 2025 and obtaining a loan from friend we made wire transfer on XX/XX/scrub> 2025 from her XXXX XXXX XXXX account We have proof that this was sent to PHH mortgage services using the information they provided us for a wire transfer several times I was told wait two days then after a week we still don't see it then even longer they're going to look into it but claimed the paper I had was just an authorization from then on I sent even more documents the money definitely left my friend 's account and went into their account they are currently ignoring me and I do believe blocking my phone number communication is now XXXX because their system even if it lets me in will say they're not open at XXXXXXXX XXXX in the morning on a weekday they even had someone who gave me an extension but none of this works because when calling their system claims there's something wrong technical difficulties.
Product: Credit reporting or other personal consumer reports

XXXX # XXXX {$16000.00} XXXX  XXXX # XXXX {$450.00} XXXX  XXXX # XXXX {$1100.00} XXXX  XXXX # XXXX {$1300.00} XXXX # XXXX {$1000.00} XXXX  # XXXX {$13000.00} XXXX XXXX # XXXX {$2500.00} XXXX XXXX # XXXX {$2600.00} XXXX XXXX # XXXX {$380.00} XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$1700.00} XXXX # XXXX # XXXX {$110.00} XXXX XXXX # XXXX {$530.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the inaccuracies in my credit file. However, I am concerned that the examination may not have fully complied with the Fair Credit Reporting Act guidelines. I believe further action is needed to ensure the remaining accounts are accurate. I request another investigation and correction of the following accounts : Experian : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} XXXX : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$760.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} XXXX : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00}. If your investigation can not verify the accuracy of the disputed information, please correct it immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to the address provided.
Product: Mortgage

Hi, I applied for a loan with Rocket Mortgage to purchase a property in XXXX GA. 
The total amount of the loan is around {$140000.00}. 
I want to say and certify I never purchased a house in USA and I am not familiar with the process or with any type of loan. 
Rocket Mortgage recommended me to apply for a FHA loan to purchase the property and this is what i did. 
During the process, I specified several times to all the parties involved including, my real estate agent, Rocket Mortgage banker and the insurance company, that my wife and my kids are in XXXX and till my wife will get her visa approved, there are lot of chances that I will rent the property. 
Rocket Mortgage told me this is a " first time buyer residence '' but NEVER mentioned I will not be able to rent the property. 
It's only at the closing, XX/XX/2018, the attorney made me signed a paper saying I will HAVE to move in and I CAN NOT rent this property for a year but it was already to late and I kind was obligate to sign. 
The attorney advised me to contact Rocket Mortgage to try to fix it. 
I contacted several persons in Rocket Mortgage, explained my situation but they kept telling me there is nothing they can do. 
I also told them, my wife is in this Visa process for over a year now and if in XX/XX/2018 she will not get her Visa approved, I will have to move back to XXXX and work from the XXXX branch of the company I am working for. Which means the house will remain empty and I will still have to pay the mortgage, why I would apply for a mortgage that will put me in this position at the first place. It was them mistake, not mine since they suggested me to take this FHA loan. 
Now I am contacting you please, first to complain about Rocket Mortgage and also to see if you can refer me to the right place where they may give me an approval to rent my property according to my circumstances. 
Thank you. 
Please contact me if you need any further information.
Product: Credit card or prepaid card

JP MORGAN CHASE AND CO - CHASE FREEDOM AND CHASE AMAZON CREDIT CARDS. 

Without any consideration, notice, etc. they cut my credit limit, decreased to the exact balance owed, DROPPING MY CREDIT OVER 40 points and putting my credit utilization over 70 %. I now can't get a loan that I wanted for a new home purchase or even refinance. I was going to pay off the balances of the credit cards once either action had taken. I have contacted them several times and they do not respond or follow up and send me to other departments. I need a response and I need action. This is criminal and they should at least notify or consider the impact the changes make. I've always paid my balances and never had any late payments. RIDICULOUS.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. XXXXb, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.
Product: Payday loan, title loan, or personal loan

I have two installment loans. One with SpeedyCash.com and the other one is with XXXXXXXX. I took out the loans in XXXX after starting a new job. I have made all of my automate payments as scheduled. Today I called for a payoff and settlement of the loans. That's when I found out that I have been paying primarily interest on the loans. I have already paid back the principal on both these loans. SpeedyCash.com loan was for {$820.00} and I have paid back {$1400.00} with a payoff of {$730.00}. XXXX loan was for {$400.00} and I have paid back {$640.00} with a payoff of {$430.00}. There was no way of getting off or this cycle. I called and told the companies that my wife had lost her job because of the COVID-19 I was offered to extend my payment by 5 days or make half of the scheduled payment. I asked if it was a way to settle the loan I was told no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in an ongoing dispute with Transunion, XXXX XXXX and now XXXX XXXX. the initial problem started when XXXX XXXX reported me as 30 days late, which I was not. Transunion lowered my score by 32 points. I contacted XXXX XXXX and was only referred to Transunion and to date I have nothing. Now XX/XX/2017 I have another battle with XXXX XXXX over a misapplied payment and Transunion lowered my score by 45 points. This is a scam and Transunion should not be allowed to get away with it. I simply do not understand how my score can be lowered by so much for a missed payment but when my payments are made on time I barely get 5 points. I need to see the scale that is being used becuase I feel scammed. I can never get anywhere with transunion. Their customer service is horrible.
Product: Debt collection

My credit report currently shows account # XXXX from ARS Account Resolution for the amount of {$780.00}. I had Veterans insurance at the time of service. The insurance should have been billed correctly so payment can be made instead of damaging my credit. Why damage my credit when you can go directly to the insurance on file for payment? If payment is delayed my personal credit shouldn't be damaged because the VA takes a long time to process payment. Bill insurance and remove from my credit immediately!
Product: Checking or savings account

My phone was lost/stolen I had XXXX $ in XXXX XXXX charges someone did from my phone. Wells Fargo understands this and understands phone was stolen but still authorized and is charging the funds from my account. Basically helping someone steal from me. 

They claim only I could access my phone cuz of the 4 digit codes but there are many way to either unlock or whoever stole it saw me enter it before or it was someone I know. I am not sure but it was not me.
Product: Credit card

I applied for card payment security and upon speaking with the customer agent XXXX  XX/XX/XXXX and explaining my situation the customer service representative said I was eligible to apply for the card security services and she would send out information for me to submit health records. I received a letter Monday XX/XX/XXXX stating that was denied because applying for the card payment security service was outside of the timeframe of application. The letter further stated I was suppose to apply within a year of the illness or injury. The injury occured XX/XX/XXXX a month after I applied for the card payment security. It took me two years and I still didn't make a full recovery from that first operation I also had another procedure in XXXX of XXXX for the same injury. All of XXXX I also incurred another health issue and had ongoing procedures. The card payment does not speak on multiple injuries, procedures or illnesses occuring concurrently. The point of paying for this service is to protect me as a consumer so I'm requesting help from CFPB to resolve this issue.
Product: Credit reporting or other personal consumer reports

My report is showing an XXXX XXXX XXXX that was updated because of an appeal in XX/XX/XXXX but the XXXX XXXX XXXX  was from XXXX which is 8 years way past the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 
THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit inquiry showed up on my credit report from XXXX. I did not authorized this and would like this removed from my report. I am not able to in contact with company due to corona virus, but would like to get this resolved as I hope it does not involve identity theft.
Product: Credit reporting or other personal consumer reports

This particular complaint is specific to XXXX. However, I have disputed with XXXX, Equifax, and XXXX, as well as the creditors a few times at this point. I have even gone further to send things to your company to still have the items on my report. I had to go and study and do my due diligence to find more support as to why these items must be permanently deleted from my reports. The following are the items that must be deleted according to 15 U.S.C. subsection 1681 et seq. 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
Product: Debt collection

I received an alert from my credit monitoring services, to check my credit reports. Credits Reports are showing an account opened on my behalf by XXXX XXXX ( date unknown ) and it was referred to a collection agency services on XX/XX/2016 with an outstanding balance of {$380.00}. The Collection agency name is AMSHER Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX / XXXX. Collection agency account number is XXXX. The collection agency referred me to a Law Firm called XXXX XXXX XXXX, phone number XXXX. XXXX does not have any record of me opening a business corporate account on my name nor SS.
Product: Credit reporting or other personal consumer reports

As I have no account with you, nor am I your customer, nor have I entered in a contract with you, I request the following information to which I am entitled under Title 15 USC 1692 et. 
seq., theFair Debt Collection Practices Act ( FDCPA ) : L J Ross Associates Account number : XXXX XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for your collection of this alleged debt? 
Please evidence your authorization to do business in my state. 
Please show proof to establish balances, payments, interest rate disclosures, etc. 
as alleged in your demand letter. 
Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. 
This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they do not report this on my Credit Report. I further insist that if you have reported me to a Credit Reporting Company, you tell them that I am disputing this debt. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I sent this letter to the Feds : Hello : I need your help with my very small business banking. On XX/XX/20 I paid a {$30.00} fee to Chase Bank to keep any more payments going to the credit card ending in XXXX which belonged to a former employee. The employee did not have authorized access to the account. Only I do. I closed the account and opened a new Chase acct after the breach. 

On XX/XX/20 the former employee accessed the account online and removed {$5000.00}. It was not authorized by me and I reported it to Chase. I have not yet been reimbursed. Twice Chase has said they would pay it in 5 days. One of the excuses was that they tried to reimburse it to the closed acct. That was over two weeks ago. 
My Chase branch is XXXX XXXX XXXX, XXXX, NJ. 

Can you help me? 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX 3 days later Chase restored the funds. On XX/XX/XXXX they once again removed the funds. No explanation. It means i can't make payroll. Please help me! 

Sincerely, XXXX XXXX
Product: Debt collection

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXXXXXX XXXX ( ACCOUNT # XXXX ) I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt
Product: Debt collection

In XX/XX/XXXX I received a letter from Butler and assciates for a debt that goes back to XX/XX/XXXX. I replied by sending a cease and desist letter shorty thereafter. Request that they not contact me via mail or phone. This is a 20 year old debt. They fiolated fdcpa by contacting me with a final threat letter dated XX/XX/XXXX. I also adices a refusal to pay because of age of debt and has far as I am concerned this matter was satisfied by doing jail time.
Product: Checking or savings account

I am XXXX XXXX and Bank of America withdrew {$1400.00} from my checking account my mother opened up for me at XXXX. I am XXXX XXXX XXXX and i was told my mom could not manage my account anymore and was told I didnt need to remove her. BOA XXXX XXXX XXXX XXXX leaving it impossible for her to catch up with payments she was having sent every pay period. They closed her account so she couldnt continue making the payments. Now they have taken my money for college that was deposited in my account, leaving me XXXX cents. They have taken up to {$1800.00} from my that came in my name and they had purchases be returned and charged me NSF for that XXXX purchase.
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 Experian 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 a personal credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ), an personal credit card account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.