23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received my morgage statement for XX/XX/2019. I paid the amount shown in full. They casged my check on XX/XX/XXXX. On XX/XX/XXXX I received a notice of late payment plus added late fee. I called and was told the original mortgage bill was in error and that they had sent me an escrow statement and it had my correct mortgage amount on the back. Nowhere on the statement was there anything saying it was a bill. They did not send a bill saying the made a mistake and I owed more money. Instead they send the notice of not receiving any payment at all and I have to pay a late fee and i will be reported to the credit bureau. They refused to delete the late fee. Under duress I paid it. I feel I am owed an apology and a refund of the late fee.
Product: Checking or savings account

I am using Bank of America checking account. I deposited a check for a large amount. They put a hold on this amount for 2 weeks. But, I thought that money would be faster available the next business day. But no. When they held the money, I had a negative balance and payment came to this check account, and they took 2 times overdraft fees of XXXX . That is, they held my money so that they would be available for payment. wrongly took interest.
Product: Student loan

On XX/XX/XXXX I contacted Transworld Systems Inc. in reference to my student loan ( currently in default ) because I wasnt able to make my monthly payment due to being out of work on extended medical leave. My next payment was set for XX/XX/XXXX. I received a phone called from XXXX XXXX from Transworld Systems Inc. stating that my payment was due. After explaining to her that I had just gone back to work, was unable to make my payment and requesting an extension on my payment XXXX XXXX informed me that my settlement would be null and void. I asked her why the current settlement would be void if I was unable to make the payment? I then asked her if she could provide me with a copy of the agreement stating that if I missed a certain amount of payments the settlement would be voided. She said she could only provide documentation stating my monthly payment which is not what Im requesting. Im requesting something in writing from Transworld Systems inc stating the terms of the settlement agreement as well as the remaining amount that I owe and the number of payments Ive made thus far. If Transworld Systems inc is unable to provide me with any documentation how do I not know that the loan hasnt already been paid off as Ive been making payments in the amount of {$230.00} for over a year now. 
Furthermore, XXXX XXXX stated to me on the phone on XX/XX/XXXX that she personally allowed me to miss my last two payment as a favor. Now shes saying my settlement is void because I requested an arrangement due to my inability to make payments due to no income. 
After requesting the documentation XXXX XXXX placed me on hold then said she would call me back. 
I would also like to know why Transworld Systems inc has not been reporting my payments to the credit bureau.
Product: Debt collection

I have tried to dispute this information. I have asked for documents and procedures used to prove that this debt belongs to me. As a consumer I do not owe any debt. The reporting of this account is hurting my credit score. this violates 15 USC 1681G, UCC 9-611-613. Please have this account removed.
Product: Money transfer, virtual currency, or money service

Good afternoon there Madam, Sir I have complained about western union XXXX XXXX when I send money to XXXX for my family western union stealing my money and give less to my family all the time and we have give us inconvenience situations and I want to complain and appreciate your help with this case and need further help thanks
Product: Checking or savings account

There where two check deposit of ( {$4900.00} ) one o. The XXXX and the other on the XXXX. What was happening was that when the deposit was made on the XXXX the subject then made five withdraws of {$980.00} ea. The same happened on the XXXX. A check of {$4900.00} was made and five withdraws were made of {$980.00}. I called the bank on the XXXX and notified them that it was not me and the didnt do anything about it. I told the bank that i was in XXXX which is in XXXX XXXX on the day that the transactions were happening. I submitted a complaint to the bank and they investigated it. However, when i asked for the paperwork regarding the investigations and it finding they denied my request to look at the documetation that led to the determination that I was liable. 

I submitted iteninary, passport with stamp dated XXXX XXXX to prove that I was in another country and that it was not me but USAA would not hear of it and still determine that I was responsible.
Product: Credit card or prepaid card

REFERENCE CFPB # XXXX SECOND COMPLAINT _ NOT RESOLVED_ COMPANY RESPONSE IS NOT ACCEPTABLE. 

I REPEATEDLY TOLD THE COMPANY THAT I HAVE NO PERMANENT ADDRESS EXCEPT A XXXX XXXX I AM A XXXX  XXXX VETERAN I DO NOT HAVE ANY OF THE DOCUMENTS YOU REQUIRE TO PROVE IDENTITY SUCH AS DEED PASSPORT UTILITY BILL I PROVIDE THREE GOVERNMENT ID 'S TO YOUR COMPANY - THEY CANT BE ALL DARK COPIES. 

I PROVIDED THE TEMPORARY ADDRESS THAT I WAS LIVING AT FROM A SHIPPING LABEL. 

I PROVIDED THE RECEIPT FROM XXXX WHERE I PURCHASED THE AMERICAN EXPRESS XXXX CARD. 

THE RECEIPT HAS THE CARD SERIAL NUMBER ON IT. 

I HAVE FAXED THE RESOLUTION TEAM THREE TIMES AND THE CEO XXXX XXXX ONCE. 

I DO NOT HAVE ANY MONEY TO FAX ANY MORE TO YOU. 
I WANT THE MONEY THAT IS ON THE CARD IN THE AMOUNT OF {$100.00}. 

I WILL POST MY COMPLAINT ON SOCIAL MEDIA, I AM SURE AS A XXXX XXXX VETERAN, I WILL HAVE PLENTY OF SUPPORT.
Product: Credit card or prepaid card

In XXXX or XXXX, XXXX 2020 my credit card was charged an estimate of {$980.00} from XXXX, I did not make or submitted any purchase order. I haven't even used my card in over 6 months and never for any purchase in that amount. When I receive an alert from credit karma stating my credit card usage have increase I immediately investigated and realized the purchase was made with my old credit card because at the time the new credit card they sent me was not activated ; I contacted Capital One. Capital One is refusing to dispute the charges or remove the charges from my account stating someone benefited from the purchase. I explained to them I have not used the card or authorized anyone to use my card. They refuse to remove the fees.
Product: Prepaid card

I have tried using my AmEx gift card at multiple stores without success, i.e. XXXX, XXXX, etc. All sites have said there is a problem with the card, but when I check my balance, the money is all there. 

When contacting AmEx they said its for my protection. They declined it at XXXX and another online retailer for fraud protection. I am supposed to try other shops they said. Basically just keep trying until it works at XXXX of them! That was their solution. 

I am very frustrated by this as it feels very deceptive of AmEx to advertise saying that you can use these cards anywhere that takes AmEx yet thus far, I am unable to use these funds anywhere!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. 


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

On XXXX XXXX, XXXX an inquiry was made to my credit by XXXX and another to Barclays Bank in DE on XXXX/XXXX/XXXX that I did not request or authorize. My assumption is that these were fraudulent attempts by some third party to open an account in my name since there were multiple inquiries to various companies on or around that date. No one at the card companies seems to be able to help me and keep forwarding me around to various departments. This was my second attempt to try and have this removed from my credit, Luckily no new accounts appear to have been opened but the number of hard inquiries is hurting my credit.
Product: Mortgage

My loan was originally with XXXX XXXX XXXX  ( XXXX ) and was transferred to PHH Mortgage Services effective on XXXX XX/XX/XXXX. I have had 2 main issues with the loan since it was transferred.

1 ) I made a payment to XXXX on XX/XX/XXXX in the loan payment amount of {$1400.00}. This payment was transferred to XXXX on XX/XX/XXXX and was acknowledged by XXXX. The payment was not credited to my account properly. I have since been making regular monthly payments on time but XXXX has recorded them as late and assessed a late fee on everey payment made since XX/XX/XXXX. 
2 ) There was an escrow account established by XXXX effective on XXXX XX/XX/XXXX with an initial balance owed of {$890.00} for what was determined as a " Forced Hazard Insurance ''. Escrow payments were rolled into my monthly motgage payment and payments made regularly. My property tax and hazard insurance are direct billed to me. When PHH received the loan, they have made a payment to my property tax out of cycle and have now assumed that there is an escrow shortage and assessed up towards {$500.00} of additional monthly payments which are not necessary. I have requested that this escrow account be closed immediately and the remaining balance can be paid by me outside of my loan. 

I have had numerous telephone conversations but each time that I call I ask for a manager and I never get to speak to someone who has the knowledge or authority to assist with clearing up these mistakes. I have received calls but most of the time, they go to voicemail and when I return the call, it ends up being transferred between lower level call center personnel and I never get to speak to someone who can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX  XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX have violated my consumer rights.

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

15 U.S.C. 1681 Sections 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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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  IL 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 IL XXXX Employers : XXXX Name : XXXX XXXX XXXX Name : XXXX XXXX
Product: Credit reporting

XXXX is reporting on my Equifax report they say I had a XXXX account I did n't pay this is not true I never have had a account with XXXX they told me it was opened under a XXXX XXXX I have never had the name XXXX XXXX I have never had a XXXX account. I am also going to contact my state attorney
Product: Credit reporting or other personal consumer reports

I am writing to dispute inconsistent reporting on my credit reports from XXXX, Equifax, and XXXX. The information on these reports is not uniform, which violates the Fair Credit Reporting Act ( FCRA ). Equifax is the ONLY credit bureau reporting this JPMCB/CHASE account that is NOT MINE! 

Equifax is in Violation of FCRA Section 1681e ( b ) Accuracy of Report : According to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The discrepancies in my credit reports suggest that the credit bureaus are not complying with this requirement.

Violation of FCRA Section 1681i ( a ) Procedure in Case of Disputed Accuracy : Additionally, under 15 U.S.C. 1681i ( a ), when a consumer disputes the accuracy of information on their report, the credit bureaus must investigate and correct any inaccuracies. The inconsistencies in my reports indicate that corrective actions have not been consistently applied across all bureaus.

Attached are copies of my credit reports from the three major credit bureaus, highlighting the discrepancies, as well as my previous correspondence with each bureau regarding these issues.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). 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 ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-affiliated third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliated third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) )
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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: Credit reporting, credit repair services, or other personal consumer reports

After months of back-and-forth with a XXXX XXXX XXXX and weeks of trying to deal with XXXX XXXX regarding unauthorized charges on my bank account and credit card XXXX XXXX XXXX ignored sending me my refund on a secured card in XXXX XXXX simply shut me down with no way to pay off the balance even though there was an authorized charges greatly affecting my credit score and my ability to bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Debt collection

I was contacted in regard to a debt that I know nothing about. They had information on me such as my social security number and a previous address. I requested verification of the debt several times on more than one occasion. They refuse to provide me with any contact information other than a telephone number and the name of the company. The name they provided was XXXX but that was all the information they would provide other than a call back number ( XXXX ) I've spoken with two different people. One who identified herself only as XXXX and another who identified herself as XXXX XXXX. The alleged XXXX was HSBC. They threatened to subpoena me, told me that I was being sued for breach of contract and then indicated that there was no statute of limitations for breach of contract. According to them the last payment on the account was in 2017. In Texas the XXXX is 4 years. Even if this was a valid debt they would be attempting to collect a XXXX barred debt which, although legal in and of itself, was done by threatening an action that they can not legally take. Such as filling suit or subpoenaing me. Again, I requested an address and or a fax number in order to send a request for verification and they refuse to provide it. They only offered to email verification of the debt. Furthermore they indicated that all they had was a demand letter for payment. Even though at another point they indicated that a judgment had been taken. I've received nothing through my email. I have checked my credit report with all three bureaus and I show no delinquencies or collection accounts. When I inquired as to whether this could be something to do with my ex-husband they indicated he was on the account but they were only going after me then at another point indicated that it was a joint account and they may go after him. 
These folks are harassing me and won't provide any backup or any information other than a thumbnail of an alleged debt.
Product: Debt collection

I received a notification that there was a derogatory account added to my credit report as I get frequent updates due to the fraud alert placed on my report. When disputed, I requested proof of ownership as I did not receive any information pertaining to this debt prior to it being placed on my credit report. I disputed it these times and have yet to receive the information I have asked for.
Product: Credit reporting

equifax is having data base problem i call them several time trying to have it fix i chat with customer service and they say they can not help it been over 180 days since dispute
Product: Debt collection

On XX/XX/2019 there were three fraudulent charges made on my XXXX account. The amounts were XXXX AUD, XXXX AUD, and XXXX AUD. The merchant was : XXXX XXXX XXXX XXXX And the charge says XXXX Ride Payment for all XXXX. I immediately reported these charges as fraudulent activity and they came back and said they were accurate charges. HOW??? I don't even live in XXXX. I am not completely locked out of my XXXX account so XXXX cant even log in to screenshot the original dispute. And Now Jefferson Capital Systems LLC is trying to collect this money from me, claiming it is my debt!! No it is not. It was fraud and I reported it as so.
Product: Checking or savings account

I am filing a complaint regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the electronic funds transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX Hard Inquiry I wrote a written letter in XX/XX/XXXX no Response or reply. Asked them to remove any inquiries from the 3 main credit bureaus.
Product: Credit reporting or other personal consumer reports

Regarding XXXX XXXX : I viewed my XXXX credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from XXXX it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, XX/XX/2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated immediately.
Product: Money transfer, virtual currency, or money service

this complaint is being filed because VENMO has locked my account and I can not access my funds.i contacted VENMO a week ago and explained the situation what was happening. I was told to submit a photo id and my issue would be taken care of in XXXX business days. it is now a week later and my account is still locked. I called again and was told told to do the same thing I did a week ago with some vague excuse why my account was locked in the first place.i want access to my money to transfer my money back to my wife 's account so I never have to deal with this company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying me.