23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a pending deposit of XXXX coming from my ssdi check, which is direct deposited. Any other time, such as with XXXXXXXX XXXX check my money is available on the Friday beforehand. My account is already overdrawn. I have yet to receive access to my funds based on navy Federal credit union internal policies regarding ach deposits and access to those. 
Questions ignored by the representative I spoke with : did y'all change the processing times ; are y'all behind because of the holiday, why is it being treated as a paper check based on funds availability. Legit was told that the holiday would Delay access to my direct deposit. So now it's the holiday weekend, the XXXX of the month, & the last part of the year & somehow my money isn't my money. This is domestic terrorism. I recently had a negative interaction at a food shop with someone claiming she was navy across the street  from the bank and 3 weeks later? This. Believe she's a banker. XXXX hair. XXXX cut.
Product: Checking or savings account

We opened a 16 month CD account@ 1.5 % APR effective XX/XX/XXXX and maturing on XX/XX/XXXX. We were not notified by letter that the CD was about to expire or asked what option we wanted. When we realized that the CD had matured my wife went to the bank. They stated that since we did not notify them as to what we wanted to do they rolled it over to another 16 month CD with an APR of 0.03 %. She told them that we wanted to be notified by letter or email when this CD was maturing. They stated that they would inform us by letter when it was about to mature. 
In XX/XX/XXXX, my wife said to me that she thought that our CD should be maturing. My wife called the bank and they said that it had matured and they rolled it over again to another 16 month CD@ 0.03 %. When we asked them why they did not notify us by letter or email as we asked and they said that they would do they could not give us an legitimate answer. 
We decided to close all accounts with this bank and pay the mere penalty of 3 months interest. Then they hit us with the {$50.00} on top of that which could have been waived. 
We would have filed a complaint sooner but we did not know that it was a law that they had to notify us by letter. It was twice that they did not notify us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Select Portfolio Servicing bought my mortgage from XXXX, which was the Mortgage holder at the time. It was a couple years after I filed chapter XXXX bankruptcy. I did not include my home in the bankruptcy and submitted the courts documentation, the same documentation I am uploading here, showing that it was not included. I am not sure how many years ago that was. They continued to report it as part of the bankruptcy. It has now been 10 years after the filing, and it has fallen off my record per Federal Law. They are still reporting the house was part of a bankruptcy. I tried to get a loan, and Select Portfolio told them either on the phone and/or submitted documentation to the loan agent, telling them that the home was part of a bankruptcy. I am FED UP of this misrepresentation and now they are not only misrepresenting me still, they refuse to change it and they are messing with my future..
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : pretty much all of 2019. 
Transunion credit freeze/unfreeze online never works, it always states status as " unknown '' and tells you to contact a number. The number is always answered by a person in XXXX or XXXX America and they ask for personal information ( SSN, birth date, etc ), I do not feel comfortable giving this information to someone outside the U.S.

When you ask for a number inside the U.S. they state they don't have one and can not contact you with the U.S.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a hard inquiry that appeared on my credit report. According to my credit report, a hard inquiry was made on XXXX/XXXX/2022 by XXXX XXXX XXXX. However, I do not recall authorizing this inquiry, nor have I had any dealings with this company. 

I am requesting that this inquiry be removed from my credit report, as it is negatively impacting my credit score. I have attached a copy of my credit report for your reference, highlighting the inquiry in question. 

As you may know, hard inquiries can have a negative impact on credit scores, and I am concerned that this inquiry may harm my creditworthiness. I have taken great care to ensure that my credit report is accurate and up to date, and I would appreciate your assistance in resolving this matter. 

Please investigate this inquiry and remove it from my credit report if it was made in error. This inquiry was not authorized by me, I request that you take appropriate action against the company that made the inquiry.
Product: Debt collection

I am writing to report a violation of my rights by a creditor. XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX has taken {$13000.00} through employee garnishment since XXXX and is continuing to do so. I called the number I was given and spoke with a debt collector from XXXX XXXX XXXX. I asked what debt was. The response was it was from a financial company XXXX XXXX. I continued to inquire if it was a loan or a credit card. I was informed by the debt collector from XXXX XXXX XXXX, Midland has all the information from XXXX XXXX and nothing else is needed. The collector said it was from XXXX but the only credit card I had was already garnished by Midland. There are 3 separate occasions when garnishments from Midland were claimed to be from XXXX XXXX XXXX XXXX. The debt itself was over 15 years old. I could not prove the debt was paid and was told there was nothing I could do about it. I was first garnished for XXXX XXXX XXXX XXXX at the end of XXXX. In XXXX, garnishments began again from XXXX XXXX XXXX XXXX. In XX/XX/XXXX, Midland began garnishing again for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX informed me each time I had to prove the debt had been paid in full. 

My complaint is XXXX XXXX XXXX continue to garnish me for debts I dont have. XXXX XXXX XXXX are unable to provide information regarding these said debts. I am unable to prove the debts the paid due to the age of said debts. 

There is another XXXX XXXX on my credit report I have been trying to get removed for over a year. It is described as a debt to XXXX XXXX. 

My grievance is with XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I contacted the Attorney General who lead me to you. After contacting the AG I was informed of a lawsuit against this group by the Attorney General.
Product: Debt collection

CITIFINANCIAL HAS PLACED DEBTOR BLAME ON ME FROM AN ACCOUNT APPARENLTY OPEND LAST DECADE. I HAVE NO KNOLEDGE AOF ANY ACCOUNT WITH CITIFANCIAL. I HAVE TRIED TO TO GET THEM TO REMOVE ANY REFERNCES TO ME WITH THIS ACCOUNT BUT THEY REFUSED. EVEN XXXX COLLECTION AGENCY CLEARED ME OF ANY DEBT ; YET CITIFIANCIAL CHOOSES TO OVERRULE. I JUST WANT THE DEBT REMOVED FROM BY CREDIT PROFILE.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9300.00} XXXX  - XXXX - XX/XX/XXXX - {$2000.00} XXXX  - XXXX - XX/XX/XXXX - {$720.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$4800.00} XXXX  - XXXX - XX/XX/XXXX - {$9100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$7300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$12000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am filing this complain against AMERICOLLECT INC and XXXX XXXX XXXX for unfair business/collection practices. 
I received a collection notice XX/XX/XXXX regarding an unpaid medical bill that I was not aware of. When I called the collection agency, they only wanted my information and immediate payment. Frustrated, I told them that I was not aware of this bill and they should not be collecting it therefore, I will not be providing any further information to them. 
right thereafter, I called my doctor 's office to voice my surprise and frustration regarding the situation. I was told that there may have been some mistakes but they will get back to me very soon. I never heard from them until today, XXXX XXXX, 2016 when I received an email from XXXX informing me that my account was flagged for collection. 
I immediately called AMERICOLLECT INC and had a very complicated communication the account. I repetitively expressed my disagreement about the whole process. 
How/why am I being held hostage for an unknown-unpaid bill? 
Why has n't XXXX XXXX 's office return my phone call? 
From the collection company 's own statement, a claim was filed with my insurance and is pending. Yet, they still flagging my credit account for collection. I tried my best to tell the supervisor that my account can not be under collection as long as the claim is pending. Further, my Doctor 's office ought, by curtesy, to inform me if the insurance declines to pay the bill. I will then have the obligation to pay the money myself and solve the problem with my insurance. 

AMERICOLLECT agents want to pretend to help me while falsely assuming that I did not pay my bill and it went to collection. The supervisor wants to make be admit that she 's trying to help me. I feel insulted because I never asked for help. Should there be help to be provided, it would be for AMERICOLLECT and XXXX XXXX XXXX. I simply ask for my right to be fully respected and nothing else.
Product: Credit card or prepaid card

After closing my account and paying the total stated balance in full with a verbal and written confirmation stating, you have no further financial obligation to us, the CC company still is herassing me for a charge that was posted XXXX weeks before I closed the account. They failed to disclose a {$26.00} charge to me when i closed my account and lied to me and said that I owe {$0.00} dollars then 1 month later are now adding more charged onto the account. 
I have spend numerous hours on the phone and stressed out and they just dont care to help me or admit theyre at fault. Please help. Thanks
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have been a victim an identity theft. I have my car loans, XXXX card, XXXX card, XXXX XXXX XXXX, XXXX card, XXXX bank card, XXXX XXXX, XXXX card, XXXX card, XXXX student loans and I have any knowledge of anything else that is showing in my credit report. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to XXXX, Transunion, and XXXX. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is breaking federal laws by reporting things on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$290.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collection XXXX  XX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address
Product: Credit card or prepaid card

I own a UBER Visa Credit card with Barclays US. I owned the card for over a year and accumulated worth of {$170.00} points/rewards. 
I am having financial difficulties paying down my balance so I requested them to use my points and redeem them toward my credit balance to pay down the balance. They are not willing to do that and they are basically telling me my only option is to redeem my point to Uber app and used Uber services. 
I do not use uber services, I did not know about this policy while I was using the card for my purchases, and I really need my {$170.00} to help me to pay off my credit card balance. 
I have been having long conversations with the credit card company but they are not willing to accept my request. 
My complaint is why a credit card company should be able to force me on how to spend my points? 
Please review and help! 
Thanks, XXXX
Product: Checking or savings account

LOST EVERYTHING IN CRYPTO.COM!! 
'Coordinated Price Manipulation Through Derivatives Market Abuses! ' cause me to get scared of losing money so fast that I sold at a loss, again and again being bullied out of Positions in all manner of Cryptocurrencies. 

PLEASE MAKE THEM STOP!!! 

PLEASE HELP!! 

XXXX XXXX XXXX XXXX
Product: Mortgage

Guild mortgage company keeps mis-managing my account. My first year with them they added home owners insurance to my account even though they had proof at I already had my own home owners and they were paying the bill from my escrow, after months of phone calls they finally rectified the situation. Then  XXXX  of   XXXX   I received a letter from them stating I had a shortage in my escrow account. They assured me that it was due to an error my loan officer had made and I had not paid in enough at closing. Seemed legit and I did n't know how to investigate to prove otherwise so I paid the shortage. I have received another letter stating that I have another shortage again. This time much larger as indicated by the attached document. My first phone call to them the lady I spoke to said it 's normal and it is what it is. She was very indifferent towards me and not any help. I called again the next day and the gentleman I spoke to was much more helpful. He indicated to me that they had to use my {$800.00} cushion that is mandated by law and an additional {$670.00 } ( that they gave me and I owed them ) t o pay taxes from my escrow account. He said it was because of a tax increase. My taxes in   XXXX   only went up about {$200.00} total. Hardly the {$1400.00} they took. When I explained to him that it did n't make sense, he would n't agree but did look into it further while I was on hold. He got back on the phone and said he could NOT explain it and he would forward me to the " impound '' department who would be calling me withi n 3-5  business days to explain what happened. There is definitely a serious problem with this company and I have read else where online that I am not the only person to have had issue with how they do business or handle escrow accounts. After this conversation I asked what my excels balance was and he said it was over {$3000.00}. Hardly a {$1400.00} shortfall.     In the end the paper says my shortage is {$660.00 } ( which I made a payment last year to cover a shortage already ).  But their solution is to increase my monthly payment from {$910.00} to {$990.00}. That is not {$660.00} but {$990.00} over 12 months. I can not say for sure what 's happening but it sure looks shady to me!
Product: Debt collection

Robocalls about PHONY legal and/or debt problem from  XXXX  TX exchange - many times a day to our business phone line.     No one at the  XXXX  or  XXXX   XXXX   XXXX  to talk to.
Product: Vehicle loan or lease

Lawsuit for Wells Fargo : Hello I am checking to see if I was eligible for the current lawsuit that was filled against Wells Fargo. I had an Auto Loan with Wells Fargo Deal from XX/XX/XXXX to XX/XX/XXXX. And am currently still banking with them.
Product: Checking or savings account

My phone was stolen in XXXX. Along with my bank cards. I had XXXX in my bank! Then when someone got a hold of my phone and card or whatever they had on me, that's when money started disappearing. I couldn't see what was going on bc I didn't have my phone to verify who I was. This has literally ruined my life right now. The only way I could access my funds was to.go in a center and they would only let me take XXXX out at a time. My bank statement is a mess and I have made police reports. I have been in the bank numerous amount of times to.fix this. Since I was absent XXXX and half months they accessed my account and paid there electricity in which overdrawn my checking and savings accounts! I then had to pull XXXX out of my savings that wasn't attached to overdraft. The money I took out of the bank I put in XXXX and the XXXX XXXX. Then I see other cards were opened in my account. I saw private banking. This needs to be cleared up immediately
Product: Mortgage

My mortgage company M & T Bank has refused payments they ran check through my bank account XXXX causing NSF, for payment on XX/XX/XXXX then I made payment the check for {$1200.00} came back but money still in my account I did another check for the XX/XX/XXXX and they rejected the payment causing me to go 4 months past due on my mortgage they have not offered any help or assistance to me at all I need help then they told me I ha e ro do two payments at same time which caused to me default because they stoped accepting payments when I was only two payments behind. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Found a number of Personal information mistakes on my credit report, and I contacted EQUIFAX in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Product: Debt collection

I have been constantly making payments on my loan and receiving notifications for upcoming payments that are extremely unaffordable. I made multiple payments recently and my outstanding balance has not even went down. As a matter of fact, it has increased and I'm not going to keep making payments if my principal balance is not going to decrease. Something needs to be done about this. I'm still trying to figure out how I have a past due amount of {$590.00}. This company is predatory in nature and I regret even borrowing money from them. Buyers remorse and lesson learned.
Product: Debt collection

We receive several letters from this company at our address with very similar information but not for our company. I 'm convinced that they send these out to several companies in an attempt to scam money from them. Any type of inquiry requires a routing/bank account number. I believe this is a phishing/exploitation scam.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.