23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to the pandemic, I was able to receive mortgage assistance from the County where I live. I had called ahead to make sure my regular payment would not be withdrawn from my account, as I had auto-pay. The first gentleman I spoke with said that stopping auto-pay would not be necessary, but payment hadnt been received. This was in XX/XX/2021. Well my payment for XXXX was still deducted from my regular bank account. I called to inquire as to why. This was early XXXX. The second associate I spoke with over the phone informed me that the payment had been received, it was enough for 2 payments. One was applied to XXXX payment and the other one to the principal balance. I told her I would prefer if it were to be applied to XXXX. This was not done. I called again, still in early XXXX. That associate told me that the payment towards the principal balance would be reversed and my payments would be caught up until XXXX, however, I did need to stop my auto-pay. Come XXXX, I get a notice stating I owed 2 months worth of payments. 1 for XXXX and now for XXXX. I called to clear this up. I spoke to a supervisor. He said the reversal for the principal payment hadnt been processed because the incorrect amount was entered and there was a remaining balance of {$29.00}. He stated he would correct this and issue was resolved, but BofA  did have until XX/XX/XXXX to process request. He also said the late payment would not be reported due to error being BofAs. Ok ... a 4 days later I contacted customer service to set up my auto-pay once more. They let me know that the account was still in the red by 2 payments because above correction had not been denied due to error. Wrong date was posted on reversed payment. I asked to make a 1 time payment until I was able to set up auto-pay. She stated if I did that, above correction would not be processed and it would have to be done again. Highly recommended I wait until XX/XX/XXXX to make a payment. I am very very very frustrated as I do not want this to reflect negatively on my part. If it werent because I call them, they wouldnt of notified me of their mistakes that affects my mortgage payments!!! On the contrary, Every representative I speak with reassures me that the issue has been resolved!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/24 at approximately XXXX, I noticed unusual activity on my Robinhood XX/XX/XXXX. I got a notification that approximately {$8000.00} of my cryptocurrency in my brokerage account was sold, then saw another unauthorized sale. I was immediately alarmed as this wasn't executed by me. I went onto the app and changed my password immediately. As I was doing this I got another notification that a new bank account was linked to my account. I then contacted support via chat on the app and said " I think I got hacked. Someone made XXXX unauthorized purchases/buys and then tried to link their bank account to take the money out. Please help. '' Immediately after, I lost access to my account as I believe they changed my password and/or email associated with my account. I then had no way of immediately reaching someone as you can only get ahold of them through the app or email. I sent emails with the subject line " emergency my account has been hacked '' right away. My account was restricted at XXXX ( XXXX hours later ) and I didn't get a response from someone until approximately XXXX. I had also filed a local police report with the city of XXXX and a complaint with XXXX. During the XXXX hours my account was still active they were able to sell and withdraw all the crypto that I had in my account, totaling around {$10000.00}. Communication with Robinhood was infrequent and provided little support. I was able to regain access to my account days later, but on XX/XX/24 they informed me that they denied my case and will not be reimbursing me. They refused to tell me why they denied it. I filed an appeal on XX/XX/24. Robinhood claims to have a security guarantee saying that " they are committed to fully reimbursing direct losses caused by unauthorized activity that isn't your fault. A reimbursement can include cash, assets held through RobinhoodXX/XX/XXXX and crypto held through Robinhood XXXX. ''
Product: Debt collection

BACKGROUND : Commonwealth Financial Systems Incorporated is attempting to collect a debt they purchased from XXXX XXXX XXXX. XXXX XXXX XXXX is the original creditor. XXXX XXXX XXXX. Commonwealth Financial Systems. I am not responsible for either one of these debts nor am I liable for this debt. 

STATEMENT OF FACTS : On XX/XX/XXXX, I filed a complaint against Commonwealth Financial Systems Incorporated stating I am not responsible for this debt. Commonwealth financial responded ( see attached Document ). They stated this debt will be removed from my credit reports until it was verified. They also claimed to be sending me a debt validation letter. I never received a debt validation letter as they claim. I received a bill and an attempt to collect a debt that I do not owe. ( See attached documents ) On XX/XX/XXXX, I contacted the original creditor XXXX XXXX XXXX, who's phone number is ( XXXX ) XXXX and informed them that I was covered by insurance at this time and they did not have the right to bill me. My insurance then contacted a representative named XXXX at XXXX XXXX XXXX to resolve this issue. My insurance informed me that this matter is now resolved. And I am not liable for this debt. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and spoke with a representative named XXXX. She informed me that ANY debt I owed to them has been resolved NO amount is owed to their company by myself. XXXX at XXXX XXXX XXXX informed me that she had contacted Commonwealth Financial Systems Incorporated and advised them to remove the account from collections and to contact all 3 credit bureaus for removal of this account. XXXX stated that Commonwealth Finacial Systems Incorporated is refusing and/or not responding to the demands of the original creditor for removal of this account.

I spoke with Commonwealth Financial Systems Incorporated on XX/XX/XXXX and the representative stated no one from XXXX XXXX XXXX has contacted them at all. I then called XXXX XXXX XXXX again and they assured me that they have contacted Commonwealth Financial Systems Incorporated in an attempt to advise them that this account is not collectible as no money is owed by myself. Commonwealth Financial is refusing to or not complying with the demands of the original creditor.

Conclusion : Commonwealth Financial Systems Incorporated needs to remove this account from all 3 of my credit reports effective immediately. I am not responsible for this debt. He holds no obligation in paying this debt. Commonwealth Financial Systems Incorporated is required by law to conduct collection practice in a fair and ethical manor yet they are failing to do so and willingly violating state law, federal law and consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and XXXX XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, To whom can help me. TransUnion is continuing to violate my rights and continues to violate FCRA Laws put in place to protect citizens of the United States of America. TransUnion continues to report a fraudulent address on my credit profile for many months after disputing it. TransUnion has re-inserted 2 fraudulent accounts back into my report without a 5-DAY FORECAST, a forecast that protects the  consumers and gives them a chance to contest the reinsertion of a deleted account. No furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, or disguise it and re-report it, without notifying the consumer and giving he/she the opportunity to contest it. TransUnion has violated this law and thus has violated my rights. Please delete the fraudulent accounts and address listed below : ( 1. XXXX XXXX XXXX XXXX : Credit Card -- > deleted -- > Reinserted without notice -- -- -- -- -- - XXXX -- -- -- -- -- -Closed - {$0.00} -- -- -- -- -deleted -> reinserted under false procedures ) ( 2.  XXXX XXXX : Credit Card -- > deleted -- > Reinserted without notice -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -Closed - {$0.00} Deleted -> reinserted under false procedures ) ( 3. Inaccurate address -- -- -- -- -- XXXX XXXX XXXX, XXXX, MI XXXX -- -- - ) This is the 4th and final attempt, I can not allow TransUnion to continue decimating my credit profile and humiliating me by denying me the right to transportation and housing. This will be my intention to suit TransUnion for poorly procedures and violating my rights and the FCRA Laws. Thank You in advance for your help, effort, and time.
Product: Debt collection

McCarthy, Burgess & Wolff and doesnt have any relationship with XXXX  and XXXX is not my account number. Also another party is calling me called XXXX XXXX XXXX XXXX. They said they hired a private investigator from XXXX XXXX XXXX company. I did some XXXX research and it says it is a scam, and it looks like they are saying the same things over and over. I have an active and current account with XXXX XXXX XXXX.
Product: Mortgage

I purchased a townhome in XXXX, everything was find until I lost my job. My mortgage company was Wells Fargo. I contacted them to let them know my situation. I wanted to refinance so my payments would be lower. Instead Wells Fargo went up my mortgage. It went from {$1000.00} to {$1200.00}. I asked them how was I going to pay that when I was having trouble paying the {$1000.00}. I was trying to get it lower. They told me if I could not make the payment they were going to foreclose. I cried for days, til my family told me I had to move before Wells Fargo kick me out and take all of my things. I endedup moving in with my family in XXXX. My home went into foreclosure. I was deverstated. I was depressed all the time. I ended up drinking a lot. I finally moved out my family home into an apartment I truly hate. I'm paying {$1000.00} for this apartment, and its not worth it. It's very small, and it has roaches. The apartment people charges us each month for an exterminator, but he only comes once a year. I want to move, but Im stuck here because of my credit. Having a foreclosure on record doesn ' help either. I wish Wells Fargo would have worked with me.
Product: Vehicle loan or lease

Im paying on a vehicle double for what its worth I got a XXXX  XXXX  XXXX sale price was XXXX I paid almost XXXX in the time I been paying n about XXXX of the money has went to interest and XXXX to the car note the interest is around XXXX a month or more Ill be paying around XXXX when Im done paying this just aint right and they didnt show me the agreement until I created the account on my app
Product: Debt collection

I HAVE NOTIFIED THE COMPANY TO CEASE ALL COMMUNICATION WITH ME AND THAT I REFUSE TO PAY THE DEBT 15 US CODE 1692 ( C ) ALSO NOTING THAT CEASING ALL COMMUNCATION WITH ME INCLUDING THIRD PARTY COMMUNICATION VIA CONSUMER REPORTING AGENICES AND THAT THEY DELETE ALL INFORMATION. ALSO NOTIFIED THEM THAT THE ORIGINAL CREDIT CHARGE OFF THE DEBT WITH 1099C SO THEY HAVE AUTHORITY TO COLLECT ON DEBT THAT HAS BEEN SATISFIED 15 US CODE 1601
Product: Checking or savings account

My online-only Marcus savings account has been frozen for more than XXXX months ( since XXXX or XX/XX/2023 ) for unspecified reasons. I have been on XXXX lengthy telephone calls with customer service and another unidentified " department '' to try to address their concerns without success. I have answered all of their KYC questions ( name, password, XXXX, XXXX, " secret word, '' drivers license, etc. ). In early XXXX, Marcus requested and received a hard copy, notarized Affidavit of Identification. Still, my account remains frozen and I remain unable to access my funds. Whenever I call customer service, I'm told the unidentified department with whom I must speak is either closed or has a lengthy wait time. Last time, I requested a call-back, which was never received. 

I am a XXXX XXXX XXXX. During my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As such, I appreciate and understand the importance of KYC procedures and OFAC requirements. 

Having satisfied each and every one of Marcus ' requirements, however, I am at a complete loss as to why I remain unable to access my online account. If I depended on these funds to pay bills, I would be destitute by this time. Marcus has acted unreasonably, ostensibly in the name of investor protection. I should be granted immediate access to my funds and compensated for the inconvenience and delay they have caused. Thank you in advance for your assistance.
Product: Credit card or prepaid card

They are difficult to get a hold of the right person and understanding what I'm asking help with so it frustrating with online or over chat to communicate why so many fees and restrictions to add fund to just one account instead of having the amounts of money secure with just one account. Back pay and XXXX XXXX XXXX XXXX and XXXX settlements.
Product: Credit card

I am just getting caught up with bookkeeping for XXXX and did not notice these charges until now. I always pay our accounts in full each month by the due date. When I complained to Chase, the representative said the payment isn't credited until the money is received from my bank but their website states it differently. It is deceptive, at best. They have refused to credit my account. Three times when making a payment on Chase 's site, it states that the payment will be credited THAT day. 1. " If you're paying between XXXX and XXXX ET, we'll credit your account for the date you choose but you might not see it for 1 to 2 days. '' 2. ( After I made a payment today XX/XX/XXXX ) : " We'll withdraw as an ACH debit from your pay from account ending in ( ... XXXX ) and the payment to your credit card will be dated on XX/XX/XXXX. ''. 3. ( Payment confirmation ) " Payment date : XX/XX/XXXX. '' I was charged interest for payments I made on or before the due date. Account ending in XXXX : XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$30.00} ; Account ending in XXXX : XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$110.00} ; XX/XX/XXXX {$27.00} ; XX/XX/XXXX {$100.00} ; XX/XX/XXXX {$34.00}. Please note this is for two accounts. I was only able to input information about one of the accounts on the subsequent page.
Product: Credit card or prepaid card

CPFB did not address multiple complaint issues against Barclay Bank : 1 ) Barclays assessed my   account as a default risk with no credit history to suggest this a a p ossibility 2 ) Barclays su bmitted excessive hard inquiries to credit bureaus in an attempt to harm my credit and refused to correct th ese 3   ) Barclays fo rced me to close all my accounts to avoid catastrophic harm to my credit report as well to others in credit card forums on the internet.    XXXX   card, the Black Card, i had to pay an annual fee of {$490.00} and because Barclay actions forced me to close it, Barclays h as been unwilling to return a pro-rated fee of {$250.00} to me as i can longer use the features and benefits of the card due to no fault of my own.    4 ) Although all  XXXX  cards were closed simultaneously, Barclays took its time reporting the Black card closed 5 ) Barclays issued predatory documentation AFTER i requested the accounts closed to substantiate its actions -- again of which have proven incorrect in Barclay assumptions.      I have contacted the Banking oversight committees due to the very malicious wa y Barclays is treating its American customers as well as the lack of proper review and addressing issues by CPFB itself .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act 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 a 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

RE : Fifth Third Bank XXXX XXXX XXXX XXXX, OH XXXX RE : To remove inaccurate information on my credit report To Whom It May Concern I obtain a copy of my credit report and found the following to be and error. Please provide me with proof that I consent to this inquires baring my signature. 
The following inquires needs to be removed immediately : Creditor Name : Fifth Third bank Creditor Date of inquires : Date : XX/XX/2018 Date : XX/XX/2018 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to have Equifax verify several collections on my credit report that aren't mine and they have yet to supply how they have verified the collections or deleted the collections. Here are the dates that I have sent letters to Equifax : XXXX with XXXX by phone and XX/XX/21 and they have yet to verify how they have verified each collection. 
The collection from XXXX XXXX is a medical bill to my knowledge I haven't given anyone permission to give any information on my medical health to any third party per the HIPPA law. 

I have sent letters to both XXXX XXXX XXXX ( XXXX XXXX ) and XXXX XXXX XX/XX/21 and they have not responded and I have showed this information to the bureau and they have not responded at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a dispute letter out on XX/XX/2022, and XX/XX/2022 to the three bureaus XXXX experian, and XXXX and still no response after 60 days. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : Please remove it from my credit report. 

XXXXValidate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report.
Product: Debt collection

HRRG calls everyday, sometimes multiple times a day. On one occasion called, asked my name and hung up. They already sent correspondence through the mail. I'm not sure why they think I need to be harrassed.
Product: Credit reporting or other personal consumer reports

I have mailed multiple letters with my current address however experian has not removed incorrect addresses.
Product: Credit reporting or other personal consumer reports

This is my endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged extortion. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a notice from a debt collector, which I responded to requesting debt validation and a cease and desist notice. Cavalry Portfolio Services , LLC on XX/XX/year>. I never received a response from them, and I continued to receive notices despite my request to cease and desist, they damaged my credit rating by reporting this account to all XXXX credit bureaus and subsequently filed a lawsuit against me in the XXXX Supreme Court XXXX XXXX of New York, all in violation of the Fair Debt Collection Practices Act. 
I was forced to retain an attorney to defend me in court and awaiting the outcome of that case. I recently filed a complaint with the XXXX of the XXXX Attorney General as well.