23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I requested to make a payment of {$5700.00} from my XXXX XXXX  award on XX/XX/. This payment was accepted by the institution ( Edfinancial ) on XX/XX/XXXX  and it says the schedule date on XXXX was XX/XX/. It has been over two months and my balance still has not changed. I have reached out to ed financial multiple times and have never heard anything back. This is extremely stressful to me as I have almost {$6000.00} somewhere and no one seems to be able to confirm to me that it hasn't been lost or something.
Product: Mortgage

My Amerihome Mortgage statement for XX/XX/2020 was the Annual Escrow Account Disclosure Statement. ( Attached Exhibit A ) My escrow had a shortage of {$700.00} 67 - due XX/XX/2020, if paid my new payment starting XX/XX/2020 would be {$1200.00}. If the shortage was not paid, my new payment would be {$1200.00} and due on XX/XX/2020. 

I mailed the bottom of the original exhibit A and two separate checks in the envelope to Amerihome Mortgage. The checks were received and deposited on XX/XX/2020. ( Attached Exhibit B ) When Amerihome applied the checks they simply combined them and took {$1200.00} and made the newer higher payment. Then they took the balance which was {$640.00} and applied it to the loan principle. This miss application started a nightmare i have been unable to get out of for over a year.

When I realized what happened I called and have made so many phone calls to fix this issue. There have been so many corrections and reversals that I cant even figure it all out and no one will help me from Amerihome. My account currently shows me a payment behind with hundreds of dollars of late fees, which i do not owe. There is money in a suspense account. last time i called the agent was gon na make the missing payment but its still in suspense. 

I talked to an attorney who drafted a letter i sent to Amerihome to try to gather the documents to resolve this. ( Attached Exhibit C ) I need someone from Amerihome to audit my payment history, On my end I have paid every payment on time and never late yet i am charged a late fee every month. When i have called they will remove them but its a hassle and i am sick of this! I received the documents and a letter from Amerihome " XXXX XXXX '' and the letter states to call with questions Monday - Friday XXXX to XXXX XXXX  eastern standard time. ( Attached Exhibit D ) Supposedly it came from the Office of the Customer. I HAVE CALLED THIS NUMBER FOR 3 WEEKS- NO ONE ANSWERS - SAYS ITS AFTER HOURS BUT ITS NOT. I HAVE LEFT MUTIPLE MESSAGE AND NEVER BEEN CALLED BACK. 

There are mistakes in my history that i do not understand. Please look at the highlighted sections of payment ( Attached Exhibit E ) after late charges are removed and suspense money released for missing payment, I figure I am still short {$55.00}. Amerihome needs to dig into the account and find that {$55.00} shortage. Is it from the first miss application? Is it in my escrow? I dont know but i know I have paid every payment on time and for the correct amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 a hard inquiry was done without my authorization. The company shows up as XXXX/ XXXX  . It happened in XXXX, Florida. I saw this on the report provided by transunion.
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to help me in this important mater. I notice couple fraudulent inquiries on my consumer report. I do not recognize. Please delete this inquiries. 
XXXX XXXX  or also know as XXXX XXXX XXXX Inquiries were made XXXX XX/XX/XXXX XXXX
Product: Debt collection

Nationality recovery XXXX ( XXXX ) XXXX That company has the same debt as another company, that is, there is only one debt collected by 2 companies.
Product: Checking or savings account

TCF Bank Charged me several overdraft fees on my account. The problem is that multiple transactions had been fraudulent. I attempted to call and file fraud alerts on my account on several occasions. Each occasion TCF refused to work with me or co-operate. I filed a XXXX case against TCF. In this case I requested that TCF provide proof that i authorized, signed for, initiated and or requested the transactions that caused the account overdraft. 

XXXX {$9.00} XX/XX/2018. 
XXXX {$9.00} XX/XX/2018. 

TCF refused to provide proof. They provided no supporting documentation, validation, or verification that said transactions were done by me and not fraud. I again requested proof as i had on multiple occasions advised TCF these transactions were fraud and TCF refused to act and expected me to be responsible for paying the fees directly resulting from the fraud accounts. TCF again refused to provide any proof other than a flimsy written statement that the transactions were valid. I called TCF yet again and spoke with a manager advising them this was FRAUD and that I DID NOT AUTHORIZE the transactions and that i demanded proof since they at this point sent the balance to collections, harming my credit over a fraud transactions i should not have to pay. TCF again refused. According to law if they can not provide sufficient evidence or proof validating ownership of debt and or authorization of transactions then they must comply and remove the debt. TCF has refused, going so far as to say that i have to prove it was fraud. Which isn't possible because i have no access to whoever initiated these transactions without my consent.
Product: Credit card or prepaid card

Bank of America attached to my account online message center another B of A customer 's contract documents. No assurance my documents kept private. XX/XX/2019 Bank of America billing dispute employee denied my claim on account ending XXXX. The employee sent notification email  alerting " new message about your claim ''. I logged into Bank of America message center, the denial letter and four additional attachments included on my claim site for account XXXX. The four attachments were for XXXX XXXX of XXXX, AR and contract to XXXX XXXX diet. I contacted Bank of America to address my concerns for my own claim 's 39 pages of confidential documents possibly attached to another Bank of America 's client 's message center. No assurance provided by Bank of America that my documents were secure and just an apology that Mrs. XXXX documents were not kept secure. Also, reporting Bank of America 's involvement in unethical timeshare scams with XXXX XXXX in XXXX, Missouri. Numerous attempts made to Bank of America to dispute the XX/XX/2019 timeshare contract negotiated fraudulently. Attachments included. Supporting documents of timeshare contract with my husband and my SS # s, birthdates, etc. to be provided upon request.
Product: Checking or savings account

My access to online backing got suspended for no reasons and i want help to reaccess it : Case Number : XXXX
Product: Debt collection

Late XXXX  I had a dental bill that my dentist was resubmitting to my insurance because they said it was unnecessary work ( he replaced a XXXX XXXX ). I never saw a bill from the dentist ( XXXX XXXX XXXX XXXX ) so thought it was taken care of. I retired and moved in XX/XX/XXXX. I received a bill via US Mail from American Profit Recovery on XX/XX/XXXX stating principal was {$750.00} and interest {$540.00}. They said they tried to call me multiple times but I don't believe I ever saw any calls from them which may be because I don't answer calls from unknown callers. My address has been public information for years. They could of sent me mail in XXXX  instead of accumulating {$540.00} in interest! I tried to dispute this with the representative on the phone but was instead threatened that it would go on my credit report. So I went ahead and paid.
Product: Debt collection

XXXX XXXX XXXX contacted me to alledge a debt I owe and gave out my XXXX without first verifying the validity of who they were speaking to. They then threatened to take legal action when I asked for a letter of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX  # 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 a account without MY written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022
Product: Debt collection

I went to a famous pianist concert on XX/XX/2023 at XXXX XXXX. The concert hall was full with people and there was not enough fresh air circulation. I felt dizzy and I tried to get out from the hall and I XXXX. XXXX XXXX called XXXX XXXXXXXX XXXX-Ambulance. I told to officials at XXXX XXXX that I feel better and I just need a little time to take a rest and get some water. I noticed clearly that I do not want the ambulance because I do not have money to pay the expensive ambulance service fee. Meanwhile, I called to my husband who is a XXXX  and he was driving to XXXX XXXX to pick me up. 

Nevertheless, the ambulatory people came and they tried to communicate with me. I continuously told them that I can not pay for the service bills so I don't need them. They refused to LEAVE because since XXXX XXXX called them, they suppose to stay next to me. They also refused ME to leave the site. I had NO option to leave the site and refuse them to stay next to me neither. Most importantly, I did not call the ambulatory service and I did not take the ambulatory car. 

After a couple of minutes, my husband arrived, and checked my blood pressure. He said everything is fine and we left for home. 

A couple of days later, I received a bill from XXXX XXXXXXXXXXXX XXXX-Ambulance with the fee of {$520.00} I called the number on the letter. Overall, it was very hard to get connected with a person who I can talk to. When I finally got connected with a person ( over two months later ), I explained all situation and he said someone at the hospital will contact me regarding my dispute. 

I didn't hear back from them for a couple of month, so I thought they waived the fee. I received a letter from R.T.R FINANCIAL SERVIES, INC on XXXX, 2023 that they are trying to collect a debt which was charged from this hospital. I even reached out to R.T. R Financial Services ( telephone : XXXX ) but they didn't answer. 

I entirely disagree with the fees that the hospital charged me. 1. I did not call the ambulance service and 2. my refusal about the ambulatory service was denied, and 3. I did not take the ambulance car. Moreover, the hospital reported to the debt collector even before they respond back to my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have 5 accounts with affirm all showing balances of, ( {$380.00}, {$340.00}, {$270.00}, {$990.00}, {$250.00} ) and 1 account that shows a late payment which are all incorrect and I have paid these on time. I asked for debt validation and have not received any documentation to validate the debt. I have sent 3 total letters through certified mail first on XX/XX/XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Second letter XXXX USPS Tracking {$9400.00} XXXX XXXX XXXX XXXX XXXX. Third letter XX/XX/XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Have had no success getting any debt validation or any sort of documents related to the 5 debt accounts and the 1 account with a late payment. Also I exchanged email correspondence with affirm ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and asked I provide them with the Affirm ID 's so I could get the validation. After I provided the numbers I received no response and now I am left to pursue the CFPB as well as legal counsel to help remove these inaccurate items on my report. 

Experian is not helping by allowing Affirm to continue this and I will seek monetary damages for this if it is not removed.
Product: Credit card or prepaid card

On XX/XX/XXXX, two fraudulent charges were made to my card from XXXX for {$110.00} and {$1500.00}. I called in to dispute these charges and was issued a new card. 

Citibank says that on XX/XX/20 they have a recording of me saying these charges are not fraudulent and denied the dispute. 

However 1 ) I was not in XXXX XXXX ( where the charges were made ) on that dateI was in XXXX XXXX. My credit card receipts show this. So it is impossible I made these charges. 

2 ) It is quite likely some confusion involved because there was a valid XXXX charge on XX/XX/XXXX. It is possible I misheard the date they mentioned or they incorrectly mentioned the wrong date. 

3 ) They refuse to let me hear the call 4 ) They refuse to listen to the more than 10 other calls I made attempting to straighten this out where I clearly said these were fraudulent charges. 

5 ) The lady who denied the charges is the one who incorrectly charged my card for other charges. I had to file a complaint with you ( CFPB ) to get this resolved as she refused to accept her mistake. I have asked for another agent to review the charges.
Product: Checking or savings account

Since XX/XX/2018, PNC Bank has been using my personal email account for one of their customers. I am not a customer of PNC Bank and never have been. I've been receiving multiple emails daily from PNC Bank regarding a checking account and credit card account associated with my email account. The checking account ends XXXX and the credit card ends XXXX. 

I have contacted PNC Bank three times. The first time I provided a great deal of personal information and was told a fraud investigator would look into the matter and call me. No call. The second time a fraud case was opened to address the matter. Nothing happened. The third time another fraud case was opened and I was told my email address would quit being used within five days. Still no change. The PNC Bank reference ID of the last case is XXXX. There was no reference ID provided on the first two calls.

Its difficult to know what other information PNC Bank may be using of mine, or if this is limited to email. PNC agents have been unable to assist. To date, I have received over 50 emails from PNC.
Product: Credit reporting

I was not certain what category to choose, as the accounts on my credit are XXXX different ones. I have a late payments on my report that are unverified and the bureaus have not conducted a proper investigation. If they had, these late payments would have come off as I was never late on these accounts. I am not receiving proper correspondence from the bureaus and at no time have I received proof of late payments reporting on my credit file. My right to demand this is pursuant to section XXXX of the FCRA as well as XXXX where they must legally verify with proof of immediately remove. I continue to receive documentation stating that I must go straight to the creditor because this has been " verified '', when in fact, the bureaus have the responsibility of doing this and can not put the burden on me. See XXXX XXXX TRANSUNION. If I have to, I will sue them, but if they did their job, they would see that this is inaccurate and must be removed. According to Congress, the bureaus MUST verify that the information on my report is accurate, and must go beyond the original source of information once I notify them that this is inaccurate. They have not done so, and I can prove that I have notified them multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX more supporting documents/ false reporting pertaining to your false reporting! I asked you to review XXXX XX/XX/XXXX a company that you had hired or sold the debt to indicated to me that you had already sold or transferred the account to them again that was in XXXX! Which proved that you changed the date of last active. Basically the account was already in first delinquent long before XX/XX/XXXX please remove the account or accounts from my credit file immediately Then I received another correspondence with a company called north star indicating that they had the 2nd account on XX/XX/XXXX they receive the account from you! 
Barclay this is a clear clear sign that you had these dated changed under spite this is real dirty if you doing this! I asked you to immediately remove this account from my credit file as you have had your fame and Fortune of this illegal active! 
Remove this she lets move on please I thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : XXXX XXXXXXXX XXXX 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, 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 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 seven 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX falsely reported my residence at XXXX XXXX XXXX XXXX in XXXX XXXX, NY XXXX. 

Contract Callers has placed a fraudulent {$330.00} charge on my credit report. This is not my account, these are not my charges. I live over 72 miles away from that address.
Product: Checking or savings account

I am a XXXX XXXX member and on XX/XX/XXXX I deposited XXXX checks totaling in the amount of {$45000.00} into my account on behalf of my friend/roommate The funds were made available Thursday XX/XX/XXXX I attempted to withdraw the funds on Saturday XX/XX/XXXX however the location did not have the funds on hand to give. Monday XX/XX/XXXX I called in to confirm if that same location had the funds and was informed that my accounts had been frozen. I was informed the reason is because my roommate has her own account at their institution and it looks suspicious that she didnt just deposit the checks herself & I have also been told that my account is under permanent restriction because of that and thats completely ridiculous. All of this was shared only after I tried to make a withdrawal, the bank provided no prior warning.As a loyal customer, my business should be valued at a higher standard than this, why do I feel like Im being treated like a criminal? The information I provided can be immediately verified. Both checks are valid. There is nothing fraudulent about this transaction and no laws have been broken. My roommate is not bank savvy so she asked me to do the transaction. I should not even have to explain that when no laws have been broken. We were depending on that money to pay our expenses. I was told we have to wait 5 business days until the investigation is completed. By that time my rent will be late. Ive already had to borrow money for food for the last XXXX nights. This is an outrage and the bank does not seem to care. I have even provided them with a signed statement from my roommate with her ID as well as a copy of both checks. Please advise me on next steps. I can be reached at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed incorrect accounts on my credit history and would like them to be reviewed because I did not inquire about any of these accounts. I have great credit and would not like my history to be tarnished by such acts of fraud. Please removed these accounts immediately.