23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to experian about an account from XXXX of 2015 the continues to reflect a non payment when in fact this account has a XXXX balance and SHOULD BE CLOSED,
Product: Credit reporting or other personal consumer reports

I want to remove my Experian fraud alert. I have called and cant get a hold of anyone. Have send letters but nothing has happened. Please remove
Product: Credit card or prepaid card

On or about XX/XX/2021, I applied for a Chime account. During the process I received a message that I already have an account and that I should please sign in with your email XXXX That is not an email account I ever created or use. 

I contacted Chime by email since I couldn't get through to a live person due to there meu system that doesn't allow a non-customer to talk to a person. Several emails were exchanged in some with copies of my XXXX Driver License and Social Security card which they requested. I never heard back from them as to a disposition of the matter. 

I contacted XXXX Bank who services their accounts and described the problem. They stated they could only access the information regarding this account if I could provide them with the account number. Since I did not open the account and it is not my account, I obviously could not provide them with the account number. 

So at this point someone has a financial account with Chime and their servicing bank under my Social Security number and presumably my name and there is nothing either Chime or XXXX Bank will do about this.
Product: Debt collection

On XX/XX/XXXX I received a phone call stating that legal documents for a personal complaint were to be filed against me. I called the phone number ( XXXX ) which was given to with the reference # XXXX and was told this was for a Bank of America credit card debt. I asked when the last activity was and was told it was around the years XX/XX/XXXX-XX/XX/XXXX which in the State of Texas is beyond the statute of limitations to sue me for this. The person I spoke with was XXXX XXXX with XXXX XXXX XXXX from XXXX TX. I have never received any notice of collection from this company and upon asking for more information XXXX XXXX was very vague about giving answers. I called back on XX/XX/XXXX and spoke with XXXX XXXX and asked for the mailing address upon which she responded that, that was not the way things worked, she then put me on hold for over 10 minutes with no one else answering my call. XXXX XXXX told me in the first conversation that I would be sued for collection and or my wages would be garnished and my checking account would be froze. I have been on SSI XXXX now for 4 years, my check is direct deposit which can be verified and is protected under federal guidelines. After not having received any validation from XXXX XXXX XXXX for this presumed debt I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX {$11000.00} Closed 26 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$11000.00} {$5000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$11000.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge off 30 Days Late 60 Days Late XXXX XXXX XXXX  {$0.00} Closed 7 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX30 XXXX XXXX - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - - XXXX - - - - - - - - - - - - On Time 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Incorrect Names XXXX XXXX XXXX XXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Checking or savings account

My mother got a lawsuit advance Wich she got a notarized document for the company to send the funds to my account was done perfectly and to alert the bank I scheduled a direct deposit from the lending company for the amount Wich made a canceled check for me to give lending company, the next day the company wires the money shows in my account few min later they kicked me out of my own line restricted my account for suspected fraud so I go into the branch they contact fraud dept who says I have to wait for them to verify funds so the lending company gives me a fed ref # wich I couldn't get customer services to even take from me... Iso when they were speaking to fraud because i wasnt allowed I ask is there something i could do to help them verify funds they said no..so here i am homeless hungary broke and with out my money and told i cant do anything but wait for them to want to release my money not even close my account and for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit card or prepaid card

Icalledcustomerservicetocancelmycardduetoanunusualchargeplacedonmyaccount.Theycancelledandreissuedanewcard.Iwassupposedtoreceivethenewcardin7-10businessdays.After12daysIstillhadntreceivedmynewcard(thishappenedtomeinXXXXaswell-Ineverreceivedmyreplacementcardandhadtocallandrequestanotheron).Iwasnotabletoaccessmy{$760.00}directdepositwithoutacard.Icalledforhelpandwastoldthattheywouldissueanewcard.IexplainedwhyIneededaccesstomymoneysoonerthan7-10businessdaysandtherepofferedtosendanewcardovernightandchargemea{$25.00}fee.Isaidthatwasunacceptablesohesaidsomeonefromtheirglobalteamwouldcallmebackthenextday.ThenextdayImissedthecallandcalledbackin5mins.Iwastoldtheyhadtocallmeback.Nooneeverdid.ThenextdayIcalledbackandwastoldthatsomeonefromtheglobalteamwouldcallmebackthatday(itwasaSunday).Nooneevercalled.IcalledlateMondayandwastoldthattheglobalteamisclosedonSunday.Iwasalsohunguponordropped3timesduringthistimeandspent2hoursdealingwithagentswhokeptputtingmeonholdtocheckmyaccountandsupposedlytransfermetoasupervisor.EverytimeIwastoldIwasbeingtransferredtoasupervisormycallended.Iamnowtypingthiscomplaintandthencallingbacktoclosemyaccount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my payment history with XXXX XXXX XXXX since they incorrectly reported two payments as being 30 days late. After Experian refused to correct the payment history, I reached out to XXXX and they stated that they did not show any history of late payments in their records, Experian, however, refuses to fix the payment history on this account.
Product: Checking or savings account

I believe I may have been charged unlawful overdraft fees banking with navy federal credit union.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable and re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved the consumer financial protection bureau has recently filed a lawsuit against XXXX, a legend, systematic issues such as fell into four consumer provided evidence to furnishers accepting unreliable responses and fail into adequately, notify consumers of dispute outcomes. These failures align with my experience with XXXX has neither corrected nor removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX in action, violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Never replied or sent paperwork showing written signature or social security number on document
Product: Consumer Loan

The Defendant has engaged XXXX XXXX XXXX to collect alleged debts against me. They declared a fraudulent venue of XXXX County as the place to bring the case when I did not reside in that County. They then allowed phony affidavits of service to be filed knowing that no such people resided at the addresses in question. They site an " XXXX XXXX '' that does not exist as receiving the service. They then cite a neighbor " XXXX XXXX '' as substantiating the information. None of this is true and it was all designed to file default judgments without any opportunity to defend the underlying action.
Product: Payday loan

They are stating that I took a loan and keep sending me threats. I have continuously sent them a demand for proof and was just advised that I applied by an email. I have never applied or received any funds from ACE or its subsidiaries
Product: Debt collection

Company : XXXX XXXX XXXX XXXX . 
Amount : {$1700.00} Dispute Letter Send Out XX/XX/2018 XXXX XXXX XXXX trying to collect on a debt I Do Not owe. XXXX XXXX, XXXX had sent an account to a debt buyer XXXX XXXX XXXX, I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. Around XX/XX/2018 I was notified that XXXX XXXX XXXX had reported on my reports and the original creditor was XXXX. I received a collection letter from Convergent claiming I owed the debt so I requested a Debt Validation to supply me with the original contract with my name on it. XXXX XXXX, XXXX and/ or XXXX XXXX XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX with the Federal Trade Commission. 

Note : An attempt to contact Social Security Service by  phone at ( XXXX ) XXXX was made on XX/XX/2018. Call was not answered and a message was left with the answer machine.
Product: Checking or savings account

Bank of America refusal to conclude on the case # XXXX I have filed on XXXX after exceeding the self-stipulated maximum consideration period of 30 days. 

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Upon bank 's refusal to pay me the due US {$200.00} bonus for opening a savings account back in XXXX XXXX, on XXXX I have filed a dispute # XXXX. The bank 's representative has informed me in a phone conversation that the the issue is to be considered within 30 days period and the bank will communicate its decision in a written form. 

On XXXX, XXXX, XXXX I have called the Bank again ( phone XXXX ) asking about the status of the dispute # XXXX. The representative has refused to connect me to the department that was supposed to be handling my dispute. But she has told me that 1. the Bank has n't reached a conclusion in this case ; 2. the Bank refuses to issue any official communication to me upon completion of the 30 day period ; 3. the Bank refuses to estimate the additional time that will be necessary to complete the review of my case ; 4. however, I 'm free to call them on a daily basis  inquiring on the status of my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Experian about an account that was reported delinquent XXXX months prior to it existing, and despite their own report showing that exact information they did not fix it when I reported it. I submitted a dispute XX/XX/XXXX, and received a XX/XX/XXXX that did not correct my report and did not change anything. I filed a dispute directly with the company and I am still awaiting results from them. My reports verifies that my account was opened in XX/XX/XXXX, however it was reported delinquent from XX/XX/XXXX through XXXX of XXXX despite the account not even existing during that time frame.
Product: Mortgage

Pursuant to a payoff letter from the mortgage servicer of my mortgage loan, Newrez LLC dba Shellpoint Mortgage Servicing, the payoff amount of my mortgage loan was transferred by wire using the wire instructions provided by Shellpoint in the payoff letter. I have confirmation from my bank that the wire was sent on XX/XX/XXXX. I have tried to confirm with Shellpoint that they received the wire, but they say they have no record of it. In fact, in a call with customer service on XX/XX/XXXX, I was told that the wire instructions I was given by Shellpoint were incorrect. No solution to my dilemma was offered. The following day, on XX/XX/XXXX, I called again and spoke with a Shellpoint supervisor who said that the company was in a " rebranding '' transition and that there was a delay in confirming transactions. I was given an email address of their " treasury '' department to send details of the wire and was told that only this department could trace the wire, locate it and apply it to my account. I was told I would receive an acknowledgement of my email within 1-2 hours of sending it and that the issue would be resolved within 48 hours. I sent the email on XX/XX/XXXX at XXXX and have not received an acknowledgement ( it is now XX/XX/XXXX at XXXX ) and of course, nothing has been resolved. Anything you can do to resolve this issue would be very much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, CREDIT PLUS XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX
Product: Debt collection

In response to complaint # XXXX with closed status as of XX/XX/2021. Once again attempts to collect from same named individual XXXX XXXX, upon unsuccessful communication with an agent at Thomas George Associates, I subsequently reached out to XXXX XXXX to glean some insight into this claim. The XXXX XXXX the " insured '' whose listed in this documentation has the middle name of " XXXX '' which is not my middle name. After a conversation with XXXX XXXX who can be reached at XXXX asked for the supporting correspondence along with my identification to investigate how I was selected as the XXXX XXXX as my personal identifiable information is different with this very generic name. I have attached a copy of communication from XXXX XXXX. 

Subsequently I will be reaching out to the Attorney General of Pennsylvania as I have concerns regarding this collection company and the lack of due diligence in its collection practices in determining the correct parties involved and circulation of other 's PII without any regard to consumer privacy acts and laws.
Product: Credit reporting

I sent them the document in this complaint and I got the letter from them dated XXXX XXXX. I then called them om XXXX/XXXX/2017 and they told me my document that clearly states that I paid it in full, was not good enough. I called the XXXX and told them what had happened and they were baffled that it was still on my credit report. They told me to write a complaint to you.
Product: Checking or savings account

They will not reinstate a fee that was taken for no reason at all.
Product: Mortgage

I used TD bank to provide a mortgage ( 75 % ) on a coop in the upper east side of  XXXX . At the end of  XXXX , TD provided a rate lock-in at 4.125 % for 60 days. The process of getting a commitment letter from TD ( so that it could go to the board ) took forever, Each request for info was provided within 24 hrs, yet each time it went back to the underwriter, and another set of documents was requested. Even the appraisal process was drawn out. The appraisal was done on  XX/XX/XXXX , yet the appraisal was not approved by TD for another 11 days. There is a term for this -- Moral hazard. The bank gains advantage in rate lock in fees if it delays the processing. It took TD almost 6 weeks from the initial rate lock in at the end of   XXXX   to the time they issued the approval letter that I needed for the coop. By the middle of  XXXX , it was clear that signing would not occur by the end of the lock in period, so I emailed my mortgage broker at TD a request to extend the rate lock-in period at no cost, because of the extenuating circumstances. He replied that he would look into the matter, and sure enough a few days later the documents from TD showed an extension of one month ( end of  XXXX  ).
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At closing, I was surprised to see a rate lock in charge of over {$2000.00}. This corresponded to 6 periods of 5 days, each at {$340.00}. The signing took place on  XX/XX/XXXX , and TD did return half the amount. My position is that it was the result of slow processing by the bank that caused the need for a rate lock -in extension in the first place, and that if I ask for a no cost extension, and it is granted without specifying that indeed it would cost me, then this is not correct. Not saying " No, this will cost you '' and then providing the service is equivalent to consenting to my request.
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An example of moral hazard in this context is available at (   XXXX   XXXX   ) :   XXXX   XXXX   XXXX
Product: Payday loan, title loan, or personal loan

As of XX/XX/21, my account with One Main Financial is reporting both a judgment and a collection for the same account. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. They should be reporting the judgemet or collection but not both.
Product: Credit reporting

XX/XX/XXXX, I ran into some financial difficulties and entered into a temporary payment agreement with XXXX XX/XX/XXXX to avoid punitive interest charges. During this agreement, XXXX called me and asked if I could increase my temporary payment amount and offered to reopen my account under non-punitive-interest terms if I met XXXX ( XXXX ) specific criteria. I agreed to increase my payment by {$10.00}, subsequently receiving a XXXX/XXXX/XXXX letter summarizing the call and listing the XXXX ( XXXX ) requirements under which my account would be reopened. When it came time to reopen the account, I received another letter stating that, contrary to their original offer, my account would not be reopened due a newly added XXXX " surprise '' requirement. The punitive interest would continue. I contested this with XXXX, and they held their ground on the " surprise '' disqualifying criteria. I paid XXXX under the terms they originally offered for several months, but they kept piling on late fees and a punitive interest rate. Given the opportunistic/punitive fees they continued to impose, their refusal to honor terms they offered in writing, and my continued financial duress, I determined my only recourse was to stop paying them. Naturally, they reported this to the credit reporting agencies. Since the balance contained illicit charges, it 's void in its entirety. Recent events, specifically XXXX being penalized XXXX for deceptive practices, underscore their slimy tactics. While it applied to add-on charges for many, their deceptive actions were far-reaching. in my case and alter my desired outcome. I am not seeking any financial compensation or leagl action, but rather to have their illicitly-derived adverse report stricken from my credit record. I have included several supporting documents:1. XXXX 's original XXXX/XXXX/XXXX temporary payment plan confirmation2. XXXX letter that followed their XX/XX/XXXX phone call which itemized the XXXX requirements to reopen my account upon completion of the temporary payment agreement. 
3. XXXX 's XXXX/XXXX/XXXX letter, received just prior to reopening my account as promised, including the surprise/new XXXX requirement that disqualified me. 

The core issue in this case, as with many others of this nature, is deceptive practices. In short, XXXX stated on XXXX/XXXX/XXXX that meeting XXXX criteria would make my account eligible for reopening, Then, on XXXX/XXXX/XXXX, XXXX added a new requirement that disqualified me. They knew of this requirement the entire time, but did not disclose it until AFTER I completed my temporary agreement. " Make sure we get all the $ $ $ we can before this customer defaults '' To reiterate, I am not seeking any financial reimbursement or legal action. I want XXXX 's negative report to be stricken from any and all credit reporting agencies/records. I have about a XXXX '' thick folder for this, so I can provide more documentation if necessary. 

Please feel free to contact me for further information. 

Thanks for your help. 

XXXX XXXX XXXX
Product: Mortgage

More than a year ago, my home ( which was an investment property was seized by the Board of Directors in a Lawsuit and Fraud was in question when the Board and the Management Company imposed a XXXX assessment on a 30 unit condo building in which I owned and rented one of the units. I currently have a lawsuit for malpractice against the attorney who handled my case. 
I have no idea who is living in my condo, and it appears that the Board and the Management Company has extended their stay. 
I contacted Bank of America 's Loss Mitigation department, and the Bank refuses to initiate any type of investigation. 
The Bank is neglecting to foreclose so I can get my home off my credit report, and is charging me monthly thousands of dollars to pay a mortgage when I wanted a Mitigation Loss investigator, and my home has been in foreclosure for more than a year. I have made this request several times and the bank refuses to investigate.
Product: Mortgage

In XX/XX/XXXX I sent email in writing to remove PMI and both times it was rejected. So I waited for a few months more. On XX/XX/XXXX I sent a copy of the recent a appraisal we did on the property to proof that the value has increased. PMI department is saying that we can not do just any appraisal. We need to wait till next year and regardless of the value increase. PMI dept also said that the only options are that we either wait till next year XX/XX/XXXX, pay lum sum or proof that we have done any improvements.