23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

While trying to make a past due auto loan payment at Ally Bank via phone. A supervisor took over the call and argued about taking a payment. I had been working with a person named XXXX. XXXX had been making contact with me in regards to my payments. Around XXXX this morning XXXX called to follow up about payment. I let her know that I was in the process of doing so. She informed me to make a payment and she will make sure that it was posted. After hanging up, I went to the online banking site and began making my payment. I needed to make two transactions of {$230.00} to make a payment of {$460.00}. When I made the first {$230.00} transaction and began to make the second the on-line system would n't allow another transaction to occur in the same day. In the error message line it suggested that I call for further help. So I did just that, I called back XXXX 's direct line. But she did not answer, another person named XXXX answered and explained XXXX had just went to break. After explaining the actions that I had took and that I wanted to make two transactions. XXXX explained that I would have to make a payment via third party with an included fee. So, I stated that I would make the other {$230.00} payment tomorrow. XXXX said that would not be acceptable and then placed me on hold. After about a minute of being on hold another person informed me that she was a supervisor named XXXX XXXX and then the call became different. She was rude and abusive and even eluded to be a legal expert. Even after explaining that all I wanted to do was make a payment. The supervisor constantly spoke over me and chastised me about my difficult financial times and not being able to make a timely payment. She continued even after I stated that my financial hardship was due to the downturn in the XXXX and XXXX XXXX of which I am a business owner. She also brought up a legal notice and during the conversation she stated it was " black and white ''. I asked if she was a legal person, she acted as if she was a legal representation and that I had no recourse or options. I also informed this Supervisor that I am a business owner and I too record my calls. After 22 minutes of this rude and abusive behavior payment was made and the Supervisor had no remorse for her behavior she even at one point told me she " did n't have time for it at XXXX. '' I was confused by what she meant by that, she did n't have time to resolve my issue and take my payment? This call was derogatory, abusive, and degrading when the only thing I wanted to accomplish was making a payment to clear up my finical issue. I have this call recorded and available for review, if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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
Product: Debt collection

This is not my debt. My information was leaked on the the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all three bureaus, letters that there is information on my credit report is inaccurate and not verified. by law, it should be XXXX accurate and it is not.
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. 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 an 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 or 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: Debt collection

I am filling this complaint agains XXXX XXXX XXXX. Address XXXX XXXX XXXX XXXX TX and Attorney XXXX XXXX. They are suing me for a debt for {$2900.00} for a debt that is not mine. I being serve 2 time in my house & 3 time by mail for the same debt ( cause no. XXXX XXXX ). The harassment does not ending. I mail them at the address above the following I provided them with copies of my 3 credit reports from the mayor credit companies which clearly show that there is & never being collections, late payments or nothing negative in my credit reports. I provident with copies of my XXXX going back 20 year of my military carrier showing the that my SSN is not the one they are looking for. Copies of my last 3 security clearance going back 15 year ( in my line of work I can not have credit problems or I be dismissed ). The name of 12 persons in my area that have my same name or a variation of my name. They dont stop.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance Owed : {$56000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I have never received a notice about this debt and they have contacted my business phone number which is LLC and not responsible for this personal debt that I'm unaware of or haven't done business with.
Product: Credit reporting or other personal consumer reports

My escrow amount changed on XX/XX/2023. 
for my XXXX XXXX my mortgage amount went from XXXX to XXXX I pay on auto draft. 
I didnt realize the change. 
I made my same payments {$1500.00} on time every month and the extra monies that were due for my new escrow were pulled from my flush escrow balance until XXXX. 
In XX/XX/2023 I got a phone call from XXXX saying that I owed a larger amount so I made a payment {$1600.00} that I understood the difference to be. 
In XXXX I auto paid {$1500.00} amount and in XXXX I auto paid XXXX but I got a call about the differential. 
I was on the phone with the bank for XXXX hour and got confirmation of my new amount. 

It was also my understanding that I had a {$25.00} dollar offset. 
So I paid an additional {$25.00} in XXXX In XX/XX/2023 I made the new payment of XXXX. 
I got a letter from my bank saying I never paid XXXX. 
I called them right away because I had the cashed check. 
They said they didnt apply the balance to XXXX/ that they held it in credit because it was {$5.00} dollars too short. 
they reported me to the credit agency
Product: Credit reporting

Back in XXXX I was in the process of purchasing a home. I lived at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. While in that process I found out that I was a victim of Identity Theft and the person that stole my identity was using a California XXXX. I have lived in XXXX since XXXX my previous address was XXXX XXXX XXXX XXXX in XXXX XXXX the address which I lived from around XXXX until XXXX. Then after losing several houses that I had bid on and banks that denied me credit due to identity theft I finally got a bank loan after I had an Affidavit of Fraud sent out and had a stop put on my credit to help stop the fraud. I called so many agencies trying to get help. The FBI would not help me and at the time I had no where to turn. I finally purchased the home at XXXX XXXX XXXX in XXXX, XXXX XXXX. The incorrect addresses in XXXX listed as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX are not my previous addresses. They were used by someone else. I have never lived nor even visited XXXX and I need this information removed. I tried to have it removed back in XXXX but it was never removed. I also had a freeze put on my credit for years to stop the person in XXXX from buying things. From what I understand they purchased furniture, Cell phones and possibly tried to get a car in my name. My birth date is XXXX. I also need my work place information corrected. I have never worked at XXXX XXXX XXXX nor XXXX and XXXX. My employer is XXXX XXXX XXXX XXXX and I have worked there for 19 years. I have the police Cheif XXXX XXXX XXXX at XXXX XXXX Police XXXX and has known me for 19 years and can verify that I have lived in XXXX XXXX Pennsylvania from XXXX until XXXX. You can also contact the Police Cheif XXXX XXXX at XXXX in XXXX XXXX that can verify I moved to XXXX XXXX XXXX in XXXX and still live at this address. Also the social security office and verify my addresses since XXXX of my children were getting XXXX back when I lived at the XXXX XXXX address. My daughter XXXX XXXX XXXX still suffers from XXXX now and still gets social security XXXX and lives here with me at XXXX XXXX XXXX in XXXX, XXXX XXXX. When I found out about all of this I was in contact with several police departments in XXXX and sent them all letters due to identity theft. I was told they were going to investigate this but lost contact over the years due to my moving and some of the documents being misplaced. I really thought this was taken care of and I really need to have this information corrected as soon as possible. Thank you very much.
Product: Vehicle loan or lease

I have a auto loan with credit acceptance and it seems like the principal balance is not going down at all. I put down {$4000.00} but they only have on file that I put {$3000.00} down.
Product: Credit reporting or other personal consumer reports

It shows Transunion and XXXX scores dropped XX/XX/XXXX from a XXXX dispute with XXXX XXXX. When XXXX XXXX took over our mortgage we were not made aware. Our payments continued to try and route to XXXX XXXX, after numerous attempts to contact XXXX XXXX  to set up a bank draft ( hours/days of waiting and dealing with voice prompts ) we finally spoke with a supervisor to set up our account for auto draft and to date, everything has been copacetic. When XXXX XXXX  bought our mortgage it was a difficult transition with very little transparency and communication with us. Now, it reflects on our credit report for something we had little control over. We have always set up an auto draft to keep our credit scores in good standing and now it has fallen because of a companies lack of communication. 
Respectfully
Product: Debt collection

A company called Credit Control , LLC pulled my credit report in XXXX of 2024. I do not know who this company is. I do not have a dept with this company. I am demanding that they cease all communication with me, prove validation of a debt ( if any ), remove the inquiry from my XXXX credit report, do not falsely add any debt to my credit report.
Product: Debt collection

Identify threat I have contact this company to explain and they result in putting this on my credit. I explain I was never even informed about anything then still results in to keep this on my credit.
Product: Checking or savings account

Bank : Regions Bank Account number : XXXX XX/XX/year> Grace Overdraft Fee Assessed - XXXX XXXXl - XXXX XX/XX/year> Grace Overdraft Fee Assessed - XXXX - XXXX XX/XX/year> Grace Overdraft Fee Assessed - XXXX - XXXX Actions taken by myself : requested by phone wavier of all the above fees
Product: Money transfer, virtual currency, or money service

This is the third month my bank has been charged for seven overdrafts even though it was only suppose to be one. I attempted to correct it before hand and they would not allow me, they say they where informed by a hire up to do this to my account. Also this same bank has disable other accounts attached which i could have tranfered from to correct this issue. This has lead my account to overdraft for about {$4000.00} worth which have caused my living situation to be henderd. I ask if possible can the bank correct this mishaps and fire everyone who was involved in causing my account to be abused. 2022 Bank of the West | NMLS # XXXX | Member FDIC | Equal Housing Lender Doing business in South Dakota as Bank of the West California, Also the account is not private when going in threw my home computer!
Product: Credit reporting

To Whom It May Concern : I am a Pennsylvania XXXX ( ID # XXXX ), and I am submitting this dispute because MyCase and XXXX, XXXX improperly denied my application for XXXX payment services. A copy of the denial letter is attached. XXXX is a cloud based legal management system used by attorneys to store client information and bill client time. The service I applied for would have allowed me to accept credit card payments. As part of the review process to qualify for the service, XXXX used XXXX ( a real estate management company ) to investigate my credit report. XXXX claims that they pulled my Credit information from Experian. A copy of my Experian Credit report is attached. MyCase and XXXX appear to be either closely related or the same company, because they both have the same Corporate Headquarters address located at XXXX XXXX XXXX, XXXX, CA XXXX. 

XXXX claims that I was denied services because my credit score is XXXX and the date the score was allegedly created was XXXX/XXXX/2016. The Experian credit report does not show that that either XXXX or XXXX made a credit inquiry. See pages XXXX of the XXXX section of the attached Experian credit report. Furthermore my credit score is XXXX and not XXXX as stated in the XXXX credit denial letter. See page XXXX of the attached XXXX Credit Denial Letter. See page XXXX of the Experian report to view my credit score. 

Thank you for investigating this matter, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't understand why my credit score keeps going down when l have less debt. Why do transition an XXXX lower my score when one of my credit card had a XXXX balance and now it has a {$2.00} balance my score when down XXXX point an the same with anorher credit card that has XXXX balance which has a max of XXXX XXXX XXXX says because balance increased. I keep my credit card usage under 30 percent. 

My score is lower than when l had total debt of XXXX dollars. 
Am l not supposed to use my credit cards at all? 
Something is wrong. My score was XXXX an XXXX. Now it's XXXX an XXXX. Just because 2 credit card has {$2.00} an {$730.00}. Both under 30 percent
Product: Debt collection

Several fraudulent collections are reported on my credit report. I discovered it, and I contacted and sent an FTC identity theft report to the collection agencies and the credit bureaus to remove the derogatory remarks from my credit report. I have been a victim of identity theft and have informed all the credit bureaus, collections agencies, and credit card companies that these accounts are derogatory and do not belong to me. Someone used my personal information to open fraudulent charges under my name without my permission, consent, and knowledge. I have requested that the collection agencies, credit bureaus, and credit card companies send me debt validation documents regarding these fraudulent accounts, but they have not responded. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection companies are XXXX XXXX XXXX, credit card company DSNB MACYS, XXXX XXXX XXXX, and the credit card company is XXXXXXXX XXXX.
Product: Debt collection

The name of the original creditor : XXXX at XXXX and he told me that the XXXX had the collections and that if I did n't begin to pay on it I would have all bank accounts cleaned instead my wage was being garnishI the original creditor was XXXX its been since 2003 when I was served at my place of employment until now. I was not aware of a cell phone that is XXXX for a month or so service. XXXX served me with a wage garnishment and still too today my check is being garnished for something I believe in my heart is not accurate. I was young at the time and pay no attention of not showing up in court to have a Judge listen to the case. I am older I want to fight what is right and I need to hear it from someone who has the knowledge.
Product: Checking or savings account

I called customer service number, on XX/XX/XXXX, to dispute transactions found on my personal checking account. The charges were posted for XX/XX/XXXX ( see enclosed copies of letter received from Chase listing the transactions ). 

During our review of all the transactions listed it was noted there was another fraudulent charge posted on XX/XX/XXXX, which had been partially reversed on XX/XX/XXXX. I advised XXXX that was not my charge also. 

I requested that the process be initiated to dispute the XX/XX/XXXX, charges and XXXX suggested that she would include the XX/XX/XXXX, charges too since they were not mine. Little did I know that with those charges included it would negatively affect my disputes on XX/XX/XXXX. 

At no time during the conversation was I advised of this XXXXhase policy that I, as a Chase customer, can not dispute multiple charges outside of a 60-day period. 

Honestly, I thought my account had fraud protection and did not note that May fraudulent charge until I was on the call with XXXX. During a follow-up call with XXXX XXXX ( XXXX XXXX on XX/XX/XXXX ) I was pretty told it was company policy, and I could try filing a formal complaint. 

I cant tell you how devastating this experience is. To have multiple transactions posted on my account from California stores and I live in Maryland. I have never been to California so why did virtual wallet transactions be allowed to post and no red flags go off? 

I am also devastated because I am retired XXXX XXXX who can not afford the loss of {$660.00} During a follow up call on XX/XX/XXXX I was told of the XXXX policy and there was nothing I could do.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for my credit report to be accurate, removing delinquent accounts or providing proper debt validation as well as taking down all proper addresses, work places and phone numbers except for what is current. I have been a victim to fraud and do not want all these addresses and numbers that are incorrect on my credit report. I have written several letters and have been ignored every time.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. 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 1 request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER. THOSE ACCOUNTS ARE REPORTING AS DEROGATORY AND DELINQUENT ; IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT FILE AND I WOULD LIKE THOSE ACCOUNTS REMOVED.
Product: Mortgage

Midland mortgage is reporting differently to all three bureaus, XXXX credit and XXXX midland reports me being late XXXX XXXX XXXX and XX/XX/XXXX. At XXXX, midland reported XXXX and XX/XX/XXXX as being late. I was late in XX/XX/XXXX only. I submitted a letter to midland mortgage from the post office mid XXXX and it was corrected yet they turned right back on and reversed it. I called XX/XX/XXXX and a rep advised that midland has me late for XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX which is false
Product: Credit reporting

Ohio Department of Human Services has been incorrectly reporting my payment history and it is severely affecting my credit rating. They are showing collection history and payments up to 120 days late.
Product: Mortgage

I have an escrow account with the mortgage company. They are withdrawing funds from the account and sends me an email stating a tax payment has been made. The payments are not being made and Im receiving delinquent tax statements for nonpayment. I have reached out to the mortgage company and Im getting the run around. I have asked for proof of the payments, and was told they would have to create a work order to have the proof of payments emailed to me. I was told that they didnt have an escrow department. The reps gives me false information regarding my account each time I contact the company. My concern is where is the funds that were withdrawn from my escrow account if the taxes are not being paid.
Product: Mortgage

This concerns Bayview Loan Servicing 's ( " BLS '' ) refusal and failure to resolve major discrepancies and mishandling surrounding a closed account. After fourteen ( 14 ) months of numerous and continuous phone calls and e-mails to BLS, the issue remains unresolved. Please see the attached timeline for a history of our efforts concerning this matter.
Product: Debt collection

Back in XXXX  I had a medical bill through XXXX XXXX XXXX get sent to collections at The Credit Buraeu of Bismark in XXXX North Dakota, I was informed by my Sheriff of this via being served the papers on XX/XX/XXXXXXXX XXXX XXXX XXXX so on XX/XX/XXXXXXXX XXXX XXXX I went in and paid my bill with XXXX XXXX in full. Nearly 4 years later I get my bank account garnished, after an investigation on my part it was due to this XXXX XXXX bill. The Credit Buraeu of Bismarck was never informed my bill was paid, and when they called to asked, all they asked was " has he made any recent payments '' so it occurred the incorrect amount of interest over time. I only yet owe a fraction of what they said I owed because of the serving fee and the interest on that instead of the nearly {$2700.00} they claimed I owe, so they emptied my bank account in a Garnish, taking more than what I currently, actively owe. After much back and forth between The Credit Bureau of Bismarck and my bank, this got cleared up and I was informed I would be getting my money back, but it still took me 3 days to get the money back even though they had said they sent over information. I did not have a single dollar to my name for 3 whole days due to this trip on their part. Between the not confirming the amount owed and the seemingly intentional lack of truth and professionalism during this process has made this an incredibly difficult ordeal.