23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I had filed a claim on my account back in XXXX because the XXXX had overcharged me when I submitted the claim to the bank it ended up being denied so according to the letter the bank chase wrote that they were responding to the complaint from the XXXX which they received XXXX XXXX 2016 it says that we adjusted your claim and provided XXXX credits because I initially had received a claim credit for XXXX on XXXX XXXX and since the merchant credit the account we adjusted the amount and provided a credit of XXXX on XXXX XXXX they had advised me that on XXXX XXXX they would reverse the credit of XXXX which they had removed and ended up overdrafting my account of XXXX so they made the adjustment from the XXXX claim for XXXX that merchant said they would adjust and then took out the XXXX from the adjustment they made I filed XXXX claim not XXXX upon receipt of speaking with the executive office at Chase the XXXX time all this was explained to me and I said okay I understand what you are saying so then I had a direct deposit that had come in on XXXX XXXX for XXXX and then XXXX which left my account at XXXX so when my account was hit with the direct deposit of XXXX on XXXX it should had put my account up to a positive balance and not a negative one then the claims reps that I spoke to on Thursday night XXXX XXXX and Friday XXXX XXXX said we understand it was done in ERROR you are right should NOT have been re taken out on account they also then advised me I did n't file the XXXX claim the bank did so how do you take another XXXX which you already removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 loans w XXXX XXXX XXXX I am referring to the loan number XXXX at this time it looks like it has been removed from my acct but it seems that it is still reporting under my husbands name XXXX XXXX XXXX. just recently had joint credit ran and it is showing up w wrong information. it is reporting that this acct was in foreclosure status. this account has been paid off since XXXX of 2013. like I said this acct was removed from my act but somehow still reporting. also with this being deleted from my acct why hasn't my credit score improved. all my payments are current. my score has not budged in the last six months. I have done disputes w all the bureaus. it looks like it was removed but when my credit was just ran it is still showing. 
because this was a joint acct both credit repots/scores need cleared
Product: Debt collection

I have received my credit report from XXXX. I am copying/attaching the detail of report below : CONTRACT CALLERS INC XXXX {$120.00} - - - AddressXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date OpenedXXXX ResponsibilityIndividual Account Account TypeOpen Account Loan TypeCOLLECTION AGENCY/ATTORNEY Date UpdatedXXXX High Balance {$120.00} Original CreditorXXXX XXXX XXXX  XXXX Past Due {$120.00} Pay Status>In Collection< Estimated month and year this item will be removedXXXX Please note that the Collection Agency has not contacted me regarding this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TrueAccord regarding Account XXXX, demanding its immediate removal due to deceptive and unlawful reporting practices. TrueAccord has a documented history of engaging in illegal business activities, including unlicensed debt collection and violations of state regulations. At no point was I notified by the original creditor or TrueAccord that this account had been sold to a third party, raising serious concerns about the legitimacy of their claim. Furthermore, I have never received proper verification from the original creditor, despite notifying them that my personal information was compromised in a data breach ( attached ). An FTC report was filed early last year regarding this matter. 

Given these violations, I am demanding the immediate deletion of this account and written confirmation within 30 days. Failure to comply will result in further legal action, as I will not allow TrueAccords continued disregard for federal law to damage my credit.
Product: Credit reporting or other personal consumer reports

I have outdated accounts affecting my credit score, and approval for housing and car loans. I also have inaccurate accounts affecting my score as well. These accounts make it difficult to gain credit.
Product: Debt collection

SOUTHERN MANAGEMENT SYSTEMS IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I was involved in accident, causing complete and total loss of my XXXX XXXX XXXX In XXXX, IL. I had full coverage insurance + GAP Insurance. My gap coverage completed its payment BEFORE my next payment was due to Santander Finance Co. 

Gap Claim Docs Contract # XXXX XXXX XXXX paid Gross Amount : {$15000.00} Claim # : XXXX percent XX/XX/year> {$19000.00} original financed amount I have filed, on at least XXXX occasions, credit disputes because they reported me late in my last XXXX  days of paying them in full, that I was {$1.00} short. I have tried to get another car through a carlot and they have denied me for a loan again including other financers. Why report me late for {$1.00}. This is beyond egregious and has caused me great hardship. I just had a baby, make more money now than I have in the past, and cant purchase a vehicle from a reputable lot and this is XXXX of the main reasons why. I have also been working on my credit and want the late payment removed.
Product: Mortgage

I have had what I thought was a morgage on my mobile home for the past 17 years ... a $ XXXX/30 yr morgage with 13.5 interest rate. Recently I learned that it was not a morgage but a regular loan with " Ditech '' formerly Greentree. They took over GreenTree loans earlier this year and it has been an awful experience. I was working with Greetree due to unemployment, when I could not get in touch with them. I finally had someone from ditech call me, harrasing me, referring to me as " baby girl '' telling me I better have somewhere to go cuz I 'm outa there!!! I was beside myself. I tried to explain that I had been working with GreenTree, that they were supposed to move a payment to the back of my loan. He said it did n't matter due to Ditech taking over. He would call and call, when I answered he would say crued things and eventually I stopped answering. I got to scared to call, scared to answer. He goes by the name Mr.MacDonald. This was just some of it. Since XXXX they have refused any payment from me ... saying they were bringing to the next level. In XXXX I paid two months. I 've tried to pay since ... they say now that because it 's past 90 days they can not accept payment ... .because it 's gone to their attorney. It was not 90 days late when they innitially refused payment. 
Help!! I do n't even qualify for a home loan modification, because it 's not a morgage???? I was never told that. I 've always known it to be a morgage.
Product: Debt collection

I received a debt collection notice in the mail on Friday, XX/XX/2022 for an amount of {$120.00} on behalf of XXXX XXXX 

I tried going to the debt collection agencys website, www.payconvergent.com and reaching out to them on the phone number provided - XXXX. 

Both the website and the phone number are non-existent. 

I do not have an account with XXXX. I do not use their services. I reached out to XXXX and they confirmed that I do not owe them anything. They recommended that I file a complaint with your organization.
Product: Bank account or service

Please listen to this response to my sister XXXX XXXX with XXXX following up with Bank of America helping with me ( brother ), requests. I complain with Bank of America 's overdraft records caused of scam last XXXX 2015, no recovered from scam that I disappointed. Bank of America charged me overdraft {$35.00} on this checking account. I was unfitted Oregon resident notification to XXXX. Senators continually, request. I do not like XXXX XXXX resident XXXX XXXX, too much ) report to XXXX. Did Bank of America forwarded with my sad icons on checking slip forward to XXXX. XXXX and XXXX in XXXX DC as show this sad icons to the male justice at requests. I do not want living in XXXX, at serious periods. 
I was not happy with losing money from one-time scam in last XXXX or XXXX 2015 due of my forgotten cause of XXXX under unfitted XXXX residents notification to XXXX XXXX XXXX requests included of XXXX addresses.
Product: Debt collection

Mercantile Adjustment Bureau reported a collection to my credit, yet when I contacted them to dispute it, they couldn't find any collection under my social security number or past addresses. The fact that this or any collection agency can erroneously report a debt on anyone 's credit without the appropriate information is unethical.

I need this collection to be removed from my credit report immediately. I am currently on the market to purchase a home, and my credit dropped significantly due to this collection. Please help me ensure Mercantile Adjustment Bureau rectifies this matter. I, like many Americans, work very hard to keep my credit and accounts in order. We should not be placed in a situation where our credit and reputation is harmed while debt collectors continue these unfair predatory practices upon consumers such as myself.

Thank you for help and assistance.
Product: Mortgage

My loan was transferred from XXXX XXXX to Specialized Loan Servicing ( SLS ) in XX/XX/2019. My contract with XXXX XXXX had me paying mortgage on the XXXX of each month with a 15 day grace. My last payment was made to XXXX XXXX on XX/XX/XXXX and my loan was transferred to SLS on XX/XX/XXXX. SLS is trying to collect a XXXX payment from me of which I had already made to XXXX XXXX. Due to SLS trying to collect a XXXX payment from me which I have already made to XXXX XXXX, each month that goes by I'm recorded as making a late payment because they're applying my current payment to the original XXXX payment which makes me a month behind each month. In addition, i'm accruing late fees every month this issue is not resolved. 

Due to this error on SLS 's part which has failed to be corrected, I have received a foreclosure notice dated XX/XX/19. I have made multiple attempts to get the situation corrected including sending proof of payment with XXXX XXXX to SLS for the XX/XX/2019 payment 3 different times and spoke to numerous different customer service representatives from SLS. I have requested that this situation be escalated with SLS 's upper management, multiple tickets for " cash correction '' have been opened, but nothing has been resolved. The current ticket that is open is due to be " resolved '' XX/XX/19 which is 10 days before they will proceed with foreclosure on my property.
Product: Payday loan, title loan, or personal loan

I had gotten a Payday loan from a loan company I had been doing business with off and on for 2-3 years. The loan was for {$150.00}, at {$170.00}?? Something payoff in 30 days. I'm guessing on the date but I believe it had to have been XX/XX/2018 or close to it. I was short on my pay off and went to XXXX & XXXX in XXXX Oklahoma, to the Check in 2 cash. 
I assumed that I could pay the interest on the loan and possibly a late fee or processing fee and right a new check for the same amount, they would shred the same old one and I'd pay the original debt off the next month. 
First of all the XXXX woman who i Had never seen or talked to before representing the loan company was almost immediately unprofessional. She was blatantly and obviously flirting with me and saying well you've been in time and time again and been paying so get my phone number, I said I can pay you something to day just not all of it, she replies like I said get my phone number which she hand wrote on the back of a card we can work something out, how much you got. Anyways long story short I wound up giving her {$60.00} cash wrote a new check for a prorated amount less than the original one which she was supposed to shred I don't remember the exact amount but it was less than the original {$170.00} here a few months ago she had tried to cash both ok f them multiple times to my new significant financial loss. If you need more information contact me.
Product: Mortgage

In XX/XX/year> Freedom Mortgage added an insurance policy but I already had an insurance policy that is paid in full. Now Freedom Mortgage is adding almost {$500.00} a month to my mortgage payment even though I have a paid insurance policy. I have sent the insurance policy to Freedom several times over the year but now they are fraudulently adding an amount for insurance that does not exist. You can not have 2 insurance policies on a property and I know my policy is in effect. I have called several times and sent many messages to Freedom Mortgage to have this resolved but nothing has worked. I even tried to pay the {$280.00} that Freedom shows that I owe but their system will not allow me to pay it because my mortgage does not have an escrow account.
Product: Credit reporting or other personal consumer reports

My issue is with XXXX, Equifax, and XXXX with a car loan company, XXXX XXXX in which each company reports lates since XX/XX/XXXX. As this is untrue, I have been paying the loan every month. Last XXXX and XXXX of XXXX I missed a payment due to unemployment. Instead of those 2 months only showing as late, Equifax, XXXX, and XXXX report from XXXX to present day as late every month when that is false. This is keeping me from getting a mortgage as a veteran. XXXX XXXX has even been paid by me for those 2 months of XXXX and XX/XX/XXXX. I will attach proof from my banking XXXX XXXX XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX, and Equifax, XXXX, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Also, I have attached proof of the payment to cover those Only 2 months late. I even have attached proof from XXXX XXXX that show I even made XXXX payments in XXXX. 

I am tired of being denied credit and having my rights violated. As a veteran, I should be treated fairly, as should anyone any consumer any American.
Product: Credit card or prepaid card

Someone has filed a false unemployment claim using my Name and Social Securtiy number. I received a card and PIN number but I do not need it as I am the owner of the business and it was filed falsely.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my credit file and it was reinserted without my knowledge. The information still has not been validated or verified by the credit reporting agency, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company XXXX XXXX XXXX and XXXX XXXX XXXX are both operating illegally because they are not licensed in the State of Texas as a Collection Agency. I have contacted my State Secretary with the names and addresses of the collection agencies that are reporting this information and they are not licensed. I have attached proof. Despite all of these things, this credit reporting agency still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau, Regarding the following account ( s ) : XXXX # XXXX, XXXX XXXX XXXX, XXXX Federal law requires that the credit report bureaus ( XXXX XXXX, XXXX, Experian ) that you provide mechanisms to ensure that eachitem on my credit report actually belong to me. If the above are inaccurate, misleadinging, or incomplete, you have violated federal law. I expect you to make a reinvestigation immediately, My social is XXXX. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Checking or savings account

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 
Idid not receive any benefit, money, goods or services sa aresult of hte events described ni this report.

I do NOT know who used my information or identification documents ot get money, credit, loans, goods or services without my knowledge or authorization. 
Additional comments : Fraudulent charges occurred using Capital One bank account number ending XXXX XXXX. As aresult Ihad asubstantial theft occur ni the amount of {$5800.00}. I believe these transactions happened as a result of a lost cellular device having all of my personal and financial information on it. Since then, I've gotten a new device and have made a report for investigation through Capital One, I received no call back or email pertaining needing anymore information, a decision was made based on not having al the facts. Capital One should have seen the transactions and immediately taken measures to protect my account via email, text, or phone cal as other banks do when charges like that occur, especially without being abnormal charge and from a company that is overseas. 

Merchants that appear on Capital One bank statement : Creditor Name : 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
Product: Debt collection

They have called 7 times in the last couple weeks from different numbers. It is portfolio recovery associates. I have requested information on when the debt was incurred, the amount, what company, etc. they refused to give any information but demanded payment information right then. I told them not to contact me again as I have checked all my credit reports and nothing shows any debt collections at all. They have contacted me on Sundays, before XXXX XXXX, multiple times a day, etc. never from the same number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not wholly blame XXXX for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, XXXX could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at XXXX  conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A.  Loan for my family and I. These are inquiries that do not belong to me.

These are some painful and regretful errors. They are causing severe backlash from my mortga
ge provider. As a Veteran and a Gold Star member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. 

Again, I am not totally blaming XXXX for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 

1-1st Franklin Financial Inquiry from XX/XX/XXXX 2-XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New 3-XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX 6-1st Franklin Financial Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12-XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 14-XXXX XXXX Inquiry from XX/XX/XXXX 15-XXXX XXXXl Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-XXXX XXXX Inquiry from XX/XX/XXXX 19-XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX 20- XXXX XXXX Inquiry from XX/XX/XXXX 21-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX  23- XXXX XXXX Inquiry from XX/XX/XXXX 24- XXXX XXXX Inquiry from XX/XX/XXXX 25-XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Money transfers

On XXXX/XXXX/2016, My husband and I called Western Union to make a payment to XXXX ( because they refused to take a payment directly from me ). Western union confirmed the code and company I asked them to send it to as XXXX XXXX code CA and proceeded to send my payment to XXXX instead of XXXX. Now XXXX has a repo out on my lease for being ONE payment behind ( which is ridiculous ) and western union will take no accountability for THEIR error. I called western union on XXXX, XXXX, and XXXX and each time all they say is the funds never came back and there is nothing they can do ... XXXX does n't care and said there is nothing THEY can do and said they are going to take my car. IN order to make this payment i had to max out my credit card so its not like i can just pull money out of thin air to cushion their a mistake that was beyond my control. This whole situation is beyond asinine! it blows my mind that XXXX can give a XXXX less about their consumers when they pay XXXX of dollars for a product. Further more it sickens me to think western union can get away with causing my car to be repossessed thanks to them dragging their feet and doing NOTHING to rectify this situation. All the calls are recorded so there is NO EXCUSE for it taking an entire week to resolve an issue that they created. It also is beyond inexcusable that XXXX cant do a thing to put my account on a freeze or something until western union resolves this. I am beyond disgusted that my life can be ruined by XXXX TERRIBLE companies that do n't give a XXXX about the consumers they service.