23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attended XXXX XXXX XXXX XXXX in XXXX in XXXX. FirstMark Services is currently the debt collector .XXXX is the entity that controls FirstMark . They are unable to verify the balance and it is completely wrong. They are unable to explain where or how the interest is calculated. I have asked for a breakdown over and over again. What they have sent me is insufficient because the numbers do n't add up. I have made numerous payments that I have not gotten credit for or been itemized. I wrote a check for {$62000.00} which I doubt was credited correctly. I have not gotten credit for any payments made between XXXX which is impossible. I would have been in default and I never defaulted. I have forensic accountants to prove that FirstMark/XXXX is simply making a number up and can not prove it. I believe they are in violation of the FDCPA as their actions are unconscionable and I expect to be compensated. I want them to answer the forensic accountants questions. 

Further, they have called me numerous times before XXXX Again, a violation of the FDCPA that I expect to be compensated for. This is a sloppy organization that ignores the FDCPA .They do n't know what my balance is based on. They are unable to accurately itemize past payments made. They call me at unreasonable hours. I want a breakdown that shows every single payment that I ever made to FirstMark/XXXX as well as how every single charge was made. If they are unable to do so, I expect to be compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Transunion credit bureau. I was tried so many times to talk with this company about my credit report.they are reporting a bad credit score. They improperly used and shared with unknown companies with out any information.becasue of this bureau I have faced lot of problems here in USA. Last month it was XXXX my credit score. This after paid couple of transactions they decreased my credit score to XXXX They are fraud reporting my credit. They are mis using the law. They are cheating customers as well as us government.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, the client paid me {$1800.00}, and Square froze my account for 180 days, promising to release it to me within two working days after XX/XX/year>. However, Square did not fulfill its promise and continued to freeze my funds. I did not receive a response when I contacted Square company, and Square company did not resolve the issue. I need Square to unfreeze my balance as promised.
Product: Checking or savings account

Pnc bank is double charging for over draft fees. Once when it post and then again when they return the items
Product: Mortgage

In early XXXX, it came to my attention that my mortgage lender, CMG Financial, had paid my property taxes for XXXX and XXXX to the wrong property. I only learned of this because the XXXX of XXXX XXXX informed me they were close to moving forward with foreclosure due to non-payment of taxes. I had seen that the taxes were " paid '' from my escrow account, but the lender paid them to the wrong unit. I confirmed that they got paid to unit XXXX in the same condo complex. My unit is number XXXX. 

While this does occasionally happen, the amount of time and effort it took to correct this was excessive. In the end, CMG paid the taxes, but the base amount had been increased by the XXXX of XXXX XXXX due to the late payments, and penalty and interest was also added. 

The original base amount for XXXX years of taxes was {$7200.00}. When the taxes were finally paid, the base amount had been increased to {$7800.00}, and additional penalty and interest was added to total {$8300.00}. CMG Financial paid me back for the original ( lower ) base amount of {$7200.00}, but did NOT pay me back for the difference of {$600.00}, which was deducted from my escrow account to pay toward the larger amount assessed by the XXXX of XXXX XXXX. 

I spoke with a representative of the XXXX XXXX XXXX XXXX Treasury, and he stated the original base amount was {$7200.00} and would have been paid in full for that amount if it had been sent to the correct property on time. They are going to email me the original bills totaling {$7200.00}. The larger amount was a result of the delinquent payment, which was CMG Financial 's fault since they paid my escrow funds to the wrong property. 

I can tell you that it is essentially impossible to reach anyone in customer service on the phone. I've spent HOURS on the phone on more than XXXX occasion, pressing " XXXX '' every XXXX minute to verify I want to continue holding. I've left multiple voicemails with customer service. I've also selected the option to " keep my place in line '' and get a call back several times, but I've never once had the call returned. 

I've sent multiple requests through the customer service portal for a call so that this could be easier explained, but I get a message through the portal stating they gave me the refund, and no further funds are due to me. I disagree. CMG Financial owes me {$600.00} due to using my escrow funds to pay the additional fees for their delinquent payment. 

I am not sure how to prevent this tax error from happening again in XXXX, but the unit has a unique legal description like all properties, so any confusion about the address should be a non-issue. 

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

This account XXXX has been on account for over SEVEN years.
Product: Mortgage

XXXX program sent XXXX e-mails to us in two days with our account number, but someone else 's name, indicating that they are suspending our mortgage payment program. They indicated that their banks have stopped handling the mortgage deductions. They did take payments XXXX XXXX for the XXXX XXXX payments on our first and second mortgages. We are told that we must make the XXXX payments ourselves. We called the company and asked about fee refunds. They said the account is only suspended and not closed, so they are not refunding fees. We feel that we have been scammed and given only part of the story. We want to protect ourselves in this situation. What action of the CFPB caused the banks to stop supporting the XXXX XXXX program? Will the program be resuming as indicated in our call to them? If it will resume, when might that happen? Can we trust the information coming from the company?
Product: Checking or savings account

The banking institution allowed a financial depository to claim a withdrawal and refused to file a report of fraud to the financial depository about a false withdrawal the financial depository informed me that they have never received the fraud dispute from me or my bank and that it is their obligation to contact them. 

Banking institution is regions Bank. 

The financial depository is XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several times starting on ( XX/XX/XXXX ) to obtain my credit report from Experian due to inaccurate information in my report and, to this date ( XX/XX/XXXX ) I still have not been able to speak with anyone with Experian about getting a copy.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report with Experian, there seem to be multiple addresses, names, and or phone numbers attached to my credit report, which are resulting in hurting my name and credit worthiness there for I am requesting to verify my name, address, and phone number and delete all other names, addresses, and phone numbers that are jeopardizing my credit. the only name that should be reported in my credit should be XXXX XXXX XXXXXXXX, and one address is XXXX XXXX XXXX XXXX, XXXXXXXX AZ XXXXXXXX, One phone number is ( XXXX ) XXXX. Anything else being reported should be deleted immediately as per law 15 USC 1681 Under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had a pre-qualified offer from XXXX XXXX to purchase a car. I took this offer to XXXX XXXX XXXX in XXXX, NC. 

The financing department at XXXX XXXX XXXX submitted multiple credit applications on my behalf without any consent. XXXX XXXX XXXX fraudlently submitted credit applications without my consent to XXXX XXXX and XXXX XXXX XXXX. There could be more but these are the two which I received letters for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XXXX/XXXX/24 I sent XXXX and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over XXXX  days and they have yet to correct this issue
Product: Credit reporting or other personal consumer reports

I am writing to report an issue with my credit report, specifically related to my interactions with Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information present on my credit report. To date, I have not received a response from them. I am providing the details of the inaccurate information and the necessary corrections required : The following account was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Issue : This account has never been late, and I request that you correct this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Issue : This account does not belong to me, and I request its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are accounts and inquiries on my credit profile that I have no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sent correspondence that tradeline is deleted and it has been deleted from XXXX and XXXX but not from Equifax. It needs to be deleted from Equifax. 
Account # : XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Property at XXXX XXXX XXXX in XXXX RI was foreclosed in XX/XX/XXXX. From XX/XX/XXXX through XXXX, Planet Home Lending has report to the credit bureaus that I am making late payments when I no longer have a loan with them. I have been trying since XXXX to get them to report correctly. I have called countless times and spoken to supervisors, who never call back. The loan number XXXX shown on credit report as XXXX does not come up in their system when I call them. my social security number does not come up in their system. I am on hold or speaking to them for hours at a time while they try to figure it out but cant seem to fix it. I am told by supervisors that they will research and call me back. Most recently XXXX and then XXXX and then on XX/XX/XXXX XXXX XXXX from the XXXX Texas office. All were suppose to be supervisors. 
Each were suppose to call me back within 3 days. None did. I called back today XX/XX/XXXX and asked for XXXX XXXX at XXXX am. I was told she was not in yet and they would have her call me. At XXXX I called again and got someone who tried to get her or another manager on the phone. He said not one supervisor or manager was available and that I should submit a dispute with the credit agency 's. I have done that many times, with no resolution. 
I have a copy of the deed being released to new people in XXXX of XXXX. I have a copy of the 1099 issued where I paid taxes on the amount the bank did not make back on the sale of the property at auction. I understand that the foreclosure will remain on my reports however, they should not continue to report my payments as late after the sale of the property. I was never given any information stating I owed them payments of any kind and no one I have spoken with indicates that I do owe anything. They all say the balance is zero. Some are nice but many are rude as though my hard times and a foreclosure makes this my fault and resolves them from the responsibility to correct this. I have spoken to countless people, hired two credit repair companies and still nothing has been corrected. This has been four years. It is reported incorrectly on my ex husbands reports as well. 

My name : XXXX XXXX My Ex Husbands name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name ( XXXX ) XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX ( XXXX ) and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth I commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachments labeled as Exhibit A through Exhibit C that Transunion is in violation of 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, ( XXXX ) XXXX, XXXX, never gave TRANSUNION any written consent to report anything on my consumer report, No consent is Identity Theft. 

Concerning the accounts listed below as a consumer Im demanding a deletion of these accounts as well as ALL inquires. 

Accounts : XXXX/XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX XXXX Bank Account # XXXX XXXX XXXXXXXX  Account # XXXX XXXX XXXXXXXX  Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX
Product: Credit card or prepaid card

This account was paid off in XXXX of XXXX but, still shows open and a balance. 
I have called them repeatedly, last time being XX/XX/XXXX at XXXX XXXX. 
The last representative I talked to XX/XX/XXXX told me it was closed and XXXX balance remains but, when you pull up the account it shows active and a large balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate and late payments being reported on my credit report. 

You all have responded and said everything was verified as accurate but on my most recent report, it shows that you all did not investigate properly You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 

This is not being reported accurately because XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my XXXX report and no where else, XXXX is marked late on my XXXX report and nowhere else, XXXX is marked late on my XXXX report and nowhere else and XXXX is marked late on my XXXX report and nowhere else. 

please update all to paid as agreed
Product: Credit card or prepaid card

My wife used our personal credit card ending in XXXX to pay a merchant XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, for services for a new business that she started. 

Once the business was established she requested the merchant to stop the services. 

The merchant has continued to bill my personal card despite our objections. 

We called Chase Bank to dispute the transactions, but they declined our dispute on XX/XX/2018. I called Chase on XX/XX/2018 to close my credit card account, but Chase rep advised me to request a change to the account number instead. However, the same merchant managed to bill my credit card once again. 

I called Chase once again, but they are unable to STOP any future charges from this merchant even when they are no longer authorized to do so. The merchant is not listening and continues to charge my card and Chase Bank is unwilling or unable to help. And they have stated that I will continue to be charged even after I close my account. 

At this time, I am at my wits end. Please help XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and 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 ..... 
These accounts don't belong to me.
Product: Checking or savings account

I should have already received my {$500.00} promo for qualified transactions and the fine Ive had the account I have contact the bank even spoke to a manager which she has horrible customer service skills, she was unknowable and did not provide a resolution. 
I should have not have to make time to contact this bank to fix their issues and when I have the bank has not been able to. Fix it. 
Its a simple issue that it should have already been fixed.
Product: Credit reporting or other personal consumer reports

I would appreciate your support in dealing with this incorrect account listed on my credit report. This error has affected my reputation as a customer, and I need your help. I want these accounts removed due to their inaccurate and harmful reporting.
Product: Credit card or prepaid card

Barclays Wyndham Rewards Card ending in XXXX XXXX Stayed at XXXX  XXXX XXXX XXXX XXXX XXXX POINTS. NO CHARGE on checkout receipt. XX/XX/XXXX XXXX from XXXX of {$76.00} from XX/XX/XXXX on Barclay 's XXXX bill. Called Barclays, called hotel as they requested. Spoke with clerk, who confirmed no charges generated from hotel. XX/XX/XXXX Called XXXX, spoke with manager, who confirmed NO {$76.00} charge from hotel, points were used, emailed me copy of XXXX balance bill. Bill and cover letter sent to Barclays. XX/XX/XXXX XXXX dated XX/XX/XXXX from Barclays, NO credit due to " not provided with proof of altered amount or paid for by other means ''. Called Barclays supervisor XXXX, she confirmed that points were used for stay, stated this is not a disputed but a fraudulent charge, would place fraud report, close card, issue another one. New card received in 1 week. XX/XX/XXXX Same fraud charge on XXXX bill. Called XXXX at Barclays, he stated fraud refund was in process for XXXX. XX/XX/XXXX Amount of XXXX Bill, called Barclays, spoke with XXXX and her supervisor. They state dispute was closed, charge is due, no record of fraud report. I have been victimized by fraud and Barclays, was in XXXX NM on XX/XX/XXXX and have proof of points used and no bill from XXXX
Product: Debt collection

Today, XX/XX/2021, I called Transworld Systems Inc. in order to get their address. I was requesting the address in order to get proof of a debt. XXXX XXXX refused to give me the address. I believe her actions are in contradiction with the regulations regarding the collection of debts.They may be reached at XXXX. 

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

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Product: Money transfer, virtual currency, or money service

I am a COINBASE account holder that has been using their service to buy and sell cryptocurrencies regularly. On XX/XX/2021 an unauthorized transaction occurred on my account without any notification. My entire ETH ( ethereum ) cryptocurrency holdings were sent to a non disclosed location/entity. The total amount of Ethereum lost was XXXX at a value of {$16000.00}. I discovered this on XX/XX/2021 when I logged into my coinbase account and noticed that a large amount of my portfolio was missing. I subsequently spent the next several days on the phone with COINBASE support teams ( which averaged over an hour on hold each time ) who were unable to tell me where my holdings were sent to, why this happened, and whether I'll be reimbursed. They sent me several emails with instructions to change my account password, update my cyber security software, and freeze my account ( all of which I completed ). I was also asked to review my transaction history and contact my local authorities. 

After reviewing my transaction history it was shown that the funds that I lost were sent to an account titled XXXX XXXX '. I subsequently called coinbase support to ask them what this means and was told that a 'specialist ' is looking into the case. They were unable to provide me with the specialists name or offer any reason to why this happened. 

After researching on the internet it seems that other users have experienced similar issues to mine around the same timeline. It was advised on a XXXX thread to contact the CFPB and FTC which I am now doing given that I havent received any adequate help from COINBASE
Product: Credit reporting

I have never lived at the XXXX XXXX XXXX XXXX address listed on my report. I was a victim of attempted fraud by a person using my name and SS number there. Luckily I was contacted by the merchant.