23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As of XXXX/XXXX/XXXX, Midland Mortgage ( a divison of Midfirst bank ) is alleging that I am behind 4 months in payments, and owe {$9300.00}. This is not accurate. Midland is holding a partial payment of {$330.00} and has n't applied the funds. Also, there was a payment of {$400.00} mailed last week ( XXXX/XXXX/XXXX ). My monthly payment is {$370.00} so once this payment is received, I will only be behind for two months. In XXXX of XXXX, we came home and found some unknown contractors in the house moving furniture around and they said they were hired by the mortgage company because it was in foreclosure. Upon this encounter, I immediately called Midland and the gentleman that I spoke with informed me that the property was NOT in foreclosure and that no one should 've been in the home. The police were called to the home and the officer made them leave, this is documented. With my monthly payment being {$370.00}, the most I owe is {$800.00} XXXX roughly rounded ). Midland is trying to force a foreclosure on my account and has no legal ground to do so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Checking or savings account

On XX/XX/XXXX a deposit of {$4900.00} was made into my account and the sender told I need to send this out so I can buy the need equipment for work. 

On XX/XX/XXXX a deposit of {$4900.00} the person say the same thing In XX/XX/XXXX a deposit of {$4900.00} the same person say the same thing On XX/XX/XXXX a final of deposit of {$4900.00} the person say I need to do the same thing again if I want the job but then my bank stop the transfer pending a investigation but they just close my account and then now saying the funds that was transferred out I needed to pay it back. But I try to tell the bank this was due to fraud but they didnt listen.
Product: Debt collection

on XX/XX/2023 I had submitted a complaint against midland credit management in regards of ceasing all communications however, they have continued to communicate with me which is a clear violation of the Fair Debt Collection Practices Act. The FDCPA states that communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and midland credit management has started to report this alleged debt to my consumer report which is an indirect medium. It is clear that they do NOT intend to follow federal law. Additionally, I have been receiving threats of litigation from this company which is an additional violation of the FDCPA as it states that debt collectors can not bring or threaten to bring legal action to consumers. I am very angry with this company and I am seeking remedy. If and when this continues I am prepared to litigate as they do not have the right to collect on a transferred contract that I did not endorse with midland credit management. If they truly believe that their purchased contract is valid then I require that they send me the entire purchase agreement not just the bill of sale and I also want proof that I had endorsed a contract with midland credit management using a wet ink signature. If they can not provide this, I demand this company to cease harassing me with their predatory tactics. I demand compensation.
Product: Credit card

I was offered a settlement for my past due credit card and after giving my payment information, was denied the settlement and told to seek credit counseling. I was repeatedly told that Bank of America would not put my ability to pay my basic bills in jeopardy if I was unable to pay toward my credit card. I was also NOT told that I had to call to cancel the payments after the settlement was denied nor was I told that the payments would go through despite being denied the settlement. The payments were CONTINGENT on the settlement and no final authorization or agreement was reached. I was denied and therefore DID NOT AUTHORIZE any other payments. I had $XXXX withdrawn from my account without my consent and Bank of America is refusing to return that money even after informing them that this UNAUTHORIZED withdrawal of funds was going to cause me to bounce payments that I had mailed for my basic bills since I was not expecting that money to be withdrawn.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

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: Mortgage

I closed on my mortgage with Suntrust/Truist on XX/XX/2022. My mortgage was purchased by Truist on XX/XX/2022. We already have a HELOC with Suntrust/Truist and our previous mortgage was already with them. The loan servicing department created a completely new profile for the new mortgage that we can't gain access to-FOR NO REASON. We have been to the branch multiple times for a solution and have been told it should be corrected and still have no online access to our mortgage account. Loan number : XXXX The changeover and rollout across all areas of Truist banking has been lacking and is unacceptable. My time is valuable, and I should be having to call and face multiple hours of hold times to try and get a solution to a simple problem. You call customers service and met with hold times of HOURS. We have gone through all online avenues available and still can't access our account. 
I shouldn't have to go to branch that I do no banking business with to make my mortgage payment. Truist was not ready and has no idea what they are doing during this transition. They have shut down our access to the Suntrust website where we used to make our payments but can't seem to get this right. There should be more oversight to the severe mismanagement of people 's loans and assets.
Product: Consumer Loan

I obtained a lease from XXXX XXXX XXXX on XX/XX/XXXX. I completed all of the paperwork on XX/XX/XXXX but they kept having problems so the lease date was n't started until XX/XX/XXXX. I received orders to go to XXXX in XX/XX/XXXX. I submitted all of the paperwork that they required in order to turn in a vehicle under the Servicemember Civil Relief Act. After submitting the paperwork I was told that I did n't qualify since the date on the orders was XX/XX/XXXX. I called and explained to them that Soldiers do not get orders on the same day that the orders are published and that it can take months to trickle down to the Soldier. XXXX XXXX told me that they would not allow me to turn it in and they gave me two options, either try to finance the vehicle or to leave the car in the states for the three years while we are gone. We have tried to finance the vehicle but there is no one that will finance a vehicle going overseas. We have even thought about leaving the vehicle behind but there is no way that we could afford a {$700.00} car payment, {$250.00} insurance and {$150.00} storage fee. Not to mention there is no way for the vehicle to be started to it would run into a lot of mechanical issues by just sitting and we will not be in the states in three years to return the vehicle. The only way I am able to make this work is to drop it off and have it voluntarily repossessed but that would ruin the security clearance that I have with the military.
Product: Credit reporting or other personal consumer reports

I have included an identity theft report that included the following companies. XXXX XXXX XXXX and XXXX XXXX XXXX. I also included XXXX hard inquires in the report. These accounts do not belong to me. Any payments made or contact with these companies were not made on my behalf.
Product: Debt collection

This company repeatedly calls me ( anywhere from XXXXXXXX to XXXX CDT ) over and over. If I block the phone number, another number will repeatedly call me ( even several times in one minute ). They often use fictitious numbers with what appears to be an actual persons cell phone, but it is linked to the company. The threaten that they know who we are and who our children are or will say money will be removed from your account if you do not pay your outstanding debt with us. They company never says what the debt it or who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year of XXXX, I started a job at XXXX XXXX XXXX, after being there for 4 years there was a layoff in XXXX of XXXX, because of workforce reduction for about a week. After going back after a week I had a new SSN number in all credit bureaus, which was my daughter 's SSN in XXXX, Equifax, and XXXX.I reported this to XXXX XXXX XXXX Corporate office in XXXX New York at the time. After years of continue to work for XXXX XXXX XXXX and trying to fix this disaster someone created for me was too hard for me to continue my employment with XXXX XXXX XXXX, so I left on XX/XX/XXXX, because of mishandling of my SSN and my daughter 's SSN was very hard for me to continue my employment with International Paper Mill. With the three credit bureaus creating a hostile environment for me and my livelihood was total chaos. The bottom line is that XXXX, Equifax, and XXXX  does not want to accept the responsibility for what has occurred 19 years ago, which they all should be held accountable for this matter. Yes, my information was part of Equifax Data Breach in XXXX, so was both of my daughters ' information as well. After 19 years of fighting for my identity and my daughter 's identity, and fraudulent taxes on her and I both, plus someone went to XXXX XXXX  XXXX XXXX and changed the last 4 digits of her SSN and my SSN numbers on their website under my score this is where my daughter and I both do our taxes every year. My complaint is about all credit bureaus especially XXXX   claiming they had no part in it which XXXX  did play a significant part in creating this hostile environment for me. The reason I am also filing this complaint is that all of this has come back to haunt me for their mishap in creating a new identity with my daughter 's SSN. XXXX  wants to dismiss themselves but I think they need to own up to their responsibilities for creating this hostile environment for me and my livelihood. The reason for the complaints is that I have been living in fear for 19 years which creating all of this chaos has carried me to different levels of my life to the extent that no one wanted to confront this situation at all no attorney or any other legal representation I have never used my daughter 's SSN, it is just attached somehow to my name where it is creating a lot of problems, for the past 19 years I have problems from job applications to credit and until this day it is still haunting my daughter and I.Equifax has produced a credit report that can not be erase or that I am deceased and was born in the year of XX/XX/XXXX, which all the information is with the Equifax Administrator in the data breach that was occurred in XXXX, where both of my daughter 's and I were affected in this matter.
Product: Debt collection

I have been issued XXXX different wage garnishments on debts that are older then 4 years. They are over 7 years old and the collection agency has issued a wage garnishment to my employer for these debts. XXXX has been paid thru the wage-garnishment and just received a new wage garnishment for the other debt.
Product: Mortgage

My wife and I applied for a loan modification with Bank of America due to ongoing medical expenses becoming too expensive. My wife 's illness comes with a lot of expenses so we reached out and applied to see if we could lower our payments. We were assigned a direct contact, XXXX XXXX XXXX XXXX XXXX XXXX We submitted all the paperwork and answered all the questions. The loan modification approval came back but they wanted to INCREASE our payments, not decrease. We were shocked and disappointed. I asked XXXX why the payments would be higher when we were trying to lower them. She had no good explanation. I asked if she could reveal the terms but she told me she could not tell me any of the terms. We had to accept the modification and pay the XXXX trial payments in order to find out what the new terms would be. This seemed like predatory lending to me, why would a family accept a higher payment without being disclosed the terms? Either way, on that same call we politely DECLINED the offer and agreed to continue paying our regular mortgage payment. Now to my surprise, my mortgage statements are saying that we are participating in a loan modification and to pay the higher amount. I will include a copy of this. I have called and left XXXX detailed messages for XXXX XXXX and she has not returned any of my phone calls. Not only did Bank of America not assist us in reducing our payments to make them more affordable, but they want to increase it without sharing the details. We DECLINED the modification but our statements say something else. Please help
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I XXXX XXXX sent a letter with proof notifying the bureaus of fraudulent, incorrect, unknown, and obvious violations reported on my credit report. I have not received a resolution yet for these violations. I feel like I am being wrongly treated and ignored of my disputes. I believe failure to look into these items and the ignoring of obvious FCRA Violations that I clearly pointed out in my correspondence gives a reason to quickly remove those items from my credit report so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

i stated to mr cooper i never recieved anything from them they should mail me at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX not at ouse address which i told them before and never received a call from them i got all telemarkers block automaticly on my phone and was never requested by anyone at mr cooper to allow them to call so i never received mails or calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Transunion about the reentry of a collection account in XX/XX/XXXX. I was advised that a Supervisor would reach out to me by a representative name XXXX. I never received this call.i reached out again on XX/XX/XXXX and spoke with XXXX for XXXX hr, she verified that the collectiin account from XXXX XXXX XXXX was updated and re-entered on my credit report. This was disputed back in XXXX and had been off my Credit Report until XX/XX/XXXX. I advised Transunion that per FCRA law I was suppose to be notified of the reinsertion within 5 days per FCRA law FCRA 611 15 U.S.C 1681 section 5Bii. Due to this violation, the tradeline muat be removed. XXXX advised that while the tradeline was reinserted it was by the credit company and no Transunion. I advised XXXX that per the law the credit reporting bureau was suppose to send me a notice prior to reinserting it on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a thorough investigation and I have numerous items on my credit report from Experian and it's false. ( Items below ) I ATTACHED a picture of my recent utility bill to prove my actual address. 

Addresses 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 XXXX  NOT MY ADDRESS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent Acct list below has violated my right 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Charges below would need them to be remove has they previously was remove and resold to different companies as I have record identify theft was done and has locked on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Money transfer, virtual currency, or money service

XX/XX/22 : Purchased merchandise ( XXXX items ) from XXXX for {$110.00}, paid via XXXX ( linked to XXXX XXXX ). 
XX/XX/22 : Initiated return of XXXX ( totaling {$95.00} ) of XXXX items ( facilitated via XXXX ). 
XX/XX/22 : XXXX received in XXXX PA ( XXXX returns ) by XXXX. XXXX spoke with XXXX in late XXXX about refund status; was advised that they only had a record of receiving XXXX XXXX I items I returned. 
XX/XX/22 : XXXX issued a refund for this item only, for {$42.00} ( XXXX ) through PayPal to XXXX XX/XX/22 : Initiated " dispute '' through PayPal for the second item in the amount of {$52.00} ( XXXX ). 
XX/XX/22 : decided to report disputed amount to XXXX ; XXXX credited my account for {$52.00} for the disputed item while they attempted to resolve it. 
XX/XX/22 : PayPal emailed me to say they would not go further with their dispute, as XXXX was now involved. 
XX/XX/22 : XXXX recovered the {$52.00} for the second item, which was credited directly & permanently to my XXXX account. 
XX/XX/22 PayPal has now charged me {$42.00}, claiming I got duplicate refunds -- one from them and one from the dispute handled by XXXX -- and is asking me to pay them {$42.00}. I received a total of {$95.00} for XXXX items, both shown on my XXXX account statement. 

XXXX acknowledges they made both of these refunds. XXXX claims they have no roll to play here as they recovered the disputed amount of {$52.00} for the returned item XXXX could initially not locate & I was already credited with {$42.00} for the other item by XXXX via PayPal. 
After XXXX hours on multiple calls, with multiple people, PayPal insists they must recover the {$42.00} from ME and are treating this, rather aggressively & unsympathetically, as straightforward debt collection, claiming I received an extra refund. I did not.
Product: Debt collection

This rental application was when I was in high school and has already been reported and resolved with my mother XXXX XXXX. However, it remains on my credit report after the issue was resolved with your company.
Product: Credit card or prepaid card

Diners Club states on their website at https : XXXX. as below. 
However the reality is that Diners Club XXXX XXXX does not accept merchant disputes and does not investigate anything, and has no consumer protection against unscrupulous merchants. Diners club XXXX XXXX has no functionality for submitting disputes online, and if you try to call them, they will tell you that they are simply a payment processor and will not get involved in merchant Disputes 'Q : How do I dispute a charge? 
A : Transactions can be disputed by phone, in writing, or directly from your online statement. Online just enter the necessary information and submit the form. Written notification of dispute should be mailed to Diners Club, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your inquiry is sent directly to our Customer Service Research Department. It usually takes from 45 to 60 days to research a dispute. You can also contact Customer Service at XXXX ( XXXX ).
Product: Consumer Loan

I was going to be late on my car payments for a lease vehicle. I asked if could get a month skipped and added to the back of the ending term agreement. I was told no, and they can only change the due day out 15 days. I had the due date changed, and paid that month it was do. Unfortunately I still was out of work and could n't keep up with the payments. I asked again for possible skipping months or did I have any other options, but was told no. I was never offered any option. I was determining I could catch up with the payments but just before I got the money to catch up the leased vehicle was repossessed. I called to see if I could get the vehicle back but Honda Finance want XXXX for the full price of the vehicle not the XXXX that would have brought car current with late fees.
Product: Checking or savings account

I filed the complaint about Huntington Bank ( XXXX bank ) in XXXX PA at XXXX XXXX XXXX about then STEALING my CD my be reference under XXXX XXXX Well about the same time I got a bill for my safe deposit box. After the thief of money I vow never to go in that bank again. 
To start with I used the bank at XXXX XXXX XXXX and they did not even have a safe. You had to go several miles to get to theirs ( XXXX and XXXX I refuse to do any business with that bank. Well I got a nasty letter since I would not pay for the box they were going to drill it ... 
Well the proper why to done it is to send any and everything in the box to me in my name or my brothers. they had the address etc. I had the deed to the house plus title to the car plus a ring plus my brother FCC license plus other smaller items. 
If they could not find us ( we only lived in this house for 70 years ( my family ) per PA laws they are to turn all I repeat ALL items removed from a Safe Deposit Box over to the PA Treasury. who has the unclaim property section. 
Well I followed that site checking several times and nothing was ever turn over to them. They keep items active on the computer for 10 years, and inactive after that ... 
Clearly this bank had no right to just toss my personal effects. 
I want money for this. 
THIS BANK IS KNOWN AS THE WORST ONE IN THE CITY. I HAVE ONLY HEARD COMPLAINTS AGAINST THEM. 
YOU NEVER SEE ANY CUSTROMERS IN THEIR PARKING LOTS XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
Product: Checking or savings account

I dont remember the date but {$810.00}. was taken from my account. 2 forged personal checks {$300.00}. Each. And over draft charges of {$210.00} dollars.