23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Past Due : {$2000.00} XXXX XXXX I sent a letter to XXXX asking for Debt Verification for Accounts : XXXX XXXX XXXX XXXX XXXX XXXX I did not receive a reply from neither of them at all. It's been 3 months. I did receive and email from XXXX XXXX saying they were collecting with XXXX XXXX XXXX account. I asked them to send a debt verification by way of mail to my listed PO Box and they did not respond. 

XXXX XXXX who said they were representing XXXX said my Balance was {$500.00}. XXXX said to the Bureaus it was {$2000.00}. Neither, XXXX XXXX XXXX XXXX or XXXX XXXX or XXXX  XXXX sent me a Debt Verification showing the Debt was mine. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for the Original Creditor XXXX  XXXX on XXXX XXXX & XXXX XXXX. All three Bureaus Deleted XXXX XXXX. 

So now XXXX  XXXX failed to verify to the Credit Bureaus and the XXXX  XXXX account was removed off my Credit Report Completely. 

But XXXX  and Trans Union are still allowing the Collection Agency XXXX XXXX on my report even though they determined the XXXX  XXXX the Original Credit was to be deleted. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for XXXX XXXX XXXX and XXXX XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX  removed the XXXX XXXX XXXX and XXXX XXXX XXXX. 

I sent a Debt verification letter with Factual Disputes to the XXXX, XXXX  and Trans Union for the Original Creditor XXXX XXXX  on XXXX XXXX & XXXX XXXX & XXXX XXXX & XX/XX/2020. XXXX removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX  XXXX have been removed and re added without me being notified in the proper Time frame. 

All these accounts were not verified by proper investigations. XXXX XXXX or simply asking if the Creditor if the account was valid, which is not an investigation. If an investigation was done, there would not be the following issues with these accounts : Date of Last activity Conflicting Amounts : Such as the {$500.00} that XXXX is asking from me and the {$2000.00} XXXX  is telling the Bureaus. 
More than one account collecting for same debt. 
Not posting when the accounts were disputed in the Last Reported Not posting when the in the comments from disputes Posting past dues on collections posting terms of payments on collections Posting high credit on collections Inaccurate reporting and Accuracy Posting different Date opens Reporting collection payments as late and reporting monthly to the payment history a charge off, or collections I would receive and email saying that the dispute was received then that same day or close I would receive and email saying the investigation was complete.
Product: Checking or savings account

The XXXX employee XXXX XXXX named above, when we opened up our law firm bank account ( checking, savings ) for XXXX XXXX XXXX XXXX XXXX last year, apparently opened up the savings account under my own social security number, as a personal account, rather than as a business account like the checking ( operating ) account was under our corporate tax ID number. We only found out about this today, a year later, because we never had to use the savings account until the last few weeks since our checking account has been under siege by XXXX merchant services who is repeatedly committing unauthorized debits from our checking account, even after we have blocked them, all they do is change their name or the dollar amount to steal our funds. I asked the CapitalOne teller today at the branch to make a note of this on my account in case we have to defend ourselves in any manner.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX continues to report hard inquiries at least XXXX x a month to credit bureaus 2. Revolving account payment amounts continue to be reported incorrectly to credit bureaus.

3. My credit bureaus continue to advertise fraudulent and inaccurate about my payments and finances to potential creditors and landlords.

4. Old information continues to be advertised on my credit report 5. My privacy has been violated and my information shared without my consent to 3rd party companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold my account for non-payment to two different credit collections companies for two different amounts when I only had one account and owed less than ( {$2900.00} ) which was the original in-store credit limit. But they sold to Midland Credit for ( {$4300.00} ) and XXXX XXXX XXXX for $ ( XXXX ). Both Credit companies has reported they are the original creditors and they are not and I only had ( 1 ) account with XXXX XXXX. XXXX XXXX closed this account on XX/XX/year>. And now Midland Credit is suing me for ( {$4300.00} ). How is this even legal to sell my debt at two different prices and to two different companies, and not to mention lie on my credit report along with the credit collection companies?
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB finding against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX AZ ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX AZ ) XXXX Balance : {$3200.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$760.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2600.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX
Product: Mortgage

I applied for a loan modification in XXXX if 2015 for the second time in three years with Citizen 's Bank, aka CCO. To date I have not received it. They have been " reviewing '' my file since XXXX this year and claim that it is the last step in the process, with no explanation on why it is taking so long. This has been the most frustrating process, with their loss of documents, asking us to send again and again the same thing, and then forced to wait.
Product: Checking or savings account

Was offered a loan by a scammer. Funds totaling twice the requested amount deposited into my checking account using a fraudulent third party check. Scammer asked to have the excess funds returned via wire transfer. I attempted this transfer three times, and the scammer deposited three additional fraudulent third party checks. This took place over two days. I called my bank to report this fraud. 

On the third day, the bank discovers the checks to be fraudulent - no endorsements, incorrect routing number, issued by a third-party unaware of her name being used, and from a bank that doesn't exist! 

Bank refuses to consider this fraud because I attempted to " spend '' the money by returning it via wire transfer. The only money spent from the checking account had real money to back up the debits. 

Despite my constant calling and filing of complaints, the bank refuses to submit this to their fraud department and the FDIC because the checks were deposited via a mobile phone with my account and the bank 's routing numbers on non-standard deposit slips. That there was no signature endorsement, the checks being third party from a bank which doesn't exist, from a party who did not know she was being scammed as well, doesn't seem to matter to my bank.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit card

I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered with my Concora Credit account. I have been a customer for approximately three years, and unfortunately, due to unforeseen financial challenges, I missed a payment in XXXX. 

To my dismay, I recently discovered that my outstanding balance has surpassed my credit limit by {$260.00}, despite my initial credit limit being {$300.00}. This has left me perplexed and concerned about the seemingly unfair practices in place. I find it difficult to comprehend how I now owe significantly more than my original credit limit. 

I understand the importance of meeting financial obligations, and I take full responsibility for the missed payment. However, the excessive overage on my account appears to be an unjust and burdensome practice. I was in the process of making a payment today to address my outstanding balance, but the exorbitant overage has left me feeling overwhelmed. 

I kindly request your assistance in investigating and rectifying this matter promptly. I believe that fair and transparent practices are crucial for maintaining a healthy financial relationship between consumers and credit providers. Your intervention in this regard would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The money was sent by the payor, however it never posted to the account. 


All withdrawals had already been made and there was an even balance of {$8.00} at the end of business day on XX/XX/23. The balance is printed on a receipt from the customer service window. The deposit for XX/XX/23 never posted, and it was sent. When this happens the money is delayed, the thief is deciding rather or not they are going to allow the money to be put in the bank or not, and they are stealing whatever was supposed to go to the bank. 

This time it was {$38.00}. With my other bank account, it was much more before I could send a consumer complaint.
Product: Debt collection

I received zero communication nor notice from this Commonwealth Financial regarding any outstanding debt or collection amount. I tried to call the number listed for the collector as soon as I saw the mark come up on my credit report on XX/XX/30. I was completely blind sided as I was never told or informed of any amount being owed to Commonwealth Financial or XXXX XXXX. After I saw the derogatory remark on my credit report as it is the only reference to this debt and option to contact the agency to inquire about the debt I was completely unaware of. When I called XXXX multiple times, it would play an automation after one ring and state " nobody is available to take your call at this time '' then immediately disconnects/hang up.
Product: Checking or savings account

At XXXX on XX/XX/year> I received an email from Chime XXXX welcoming me to Chime and asking me to set up direct deposit. At XXXX XXXX I received an email XXXX telling me my XXXX XXXX application is almost complete and that I needed to click the link to finish setup. At XXXX XXXX  I received a text from XXXX telling me my Chime account is ready and to download the app. XXXX XXXX XXXX 

At no point did I click any of the links. I never signed up for Chime. I googled their contact information which did match the information in the email they sent and I called and had " my account '' closed. The person directed me to the various credit monitoring agencies, but the thing is I have credit monitoring setup and get immediately notified if I open anything or even have a credit check, I received no notifications alerting me to Chime creating an account.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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: Mortgage

I was charged over {$2000.00} dollars a month for flood insurance. When I called to their attention, it only cost {$900.00} a month, they charged the amount charged.. How do I find out how many months I was over charged???
Product: Credit reporting or other personal consumer reports

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data straightaway would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Product: Mortgage

First Issue : Incorrect Escrow Charges and Mishandling of Account Two ( 2 ) written requests for an escrow account analysis. ( XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ) Multiple verbal requests for an escrow account analysis. ( XX/XX/XXXXXXXX  - two phone calls, XX/XX/XXXXXXXX  phone call, XX/XX/XXXXXXXX  phone call, and finallyXXXX phone call ) Six ( 6 ) requests for substantiation of basis for reasons overcharging escrow account with respect to our property taxes by more than {$10000.00} - these dates are detailed above. 

We submitted our XXXX XXXX, NJ tax roll showing our last two full tax years at less that $ XXXXyear and have requested that they substantiate the basis for charging us over {$10000.00} more on our escrow raising our monthly escrow charge from {$1200.00} to {$1900.00}. We have a real estate tax abatement until XXXX of XXXX  and our taxes have remained fixed and have been below {$13000.00} for four straight years. This was after they started XXXX  only charging us {$150.00} and paying us an overage at the end of XXXX. We are on a fixed rate mortgage and have fluctuated against escrow accounts from {$120.00} to over {$1900.00}. 

When they did not respond in XX/XX/XXXXXXXX  we have been withholding our payments in order to leverage them to fix the issue. 

On XX/XX/XXXXXXXX  phone call, they put in a work order on our account management. But then when they transferred us out of escrow we only got customer service department people that threatened us and only wanted to collect the debt and refused to discuss the ongoing issues. 

Second Issue : Did not pay Homeowners insurance as bound by our mortgage agreement and our insurance was cancelled and we had to find new insurance. 
They ignored all contacts for payment, and then blamed us. We had to produce the mortgage documents to them and only then did they acknowledge that it was their responsibility to pay the homeowners insurance. We had to scramble to find new coverage. Nevertheless, they refused to pay any difference in insurance and exposed us personally. They took no financial accountability of their wrong doing. They then tried to charge us in Escrow for it when we now pay it directly due to their mishandling.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a notification from XXXX that one of my credit card statuses changed. I logged into XXXX account to see my citi DoubleCash mastercard credit card decreased in limit by {$400.00}. This is after I just made a {$480.00} payment last month to substantially lower the balance on this card, now bringing the available credit from several hundred dollars to only {$80.00}. I was not notified by citi that this limit change was happening and it happened four days after the payment was made. I have made on time payments with this card since the card has been open, and have a great payment history with my other credit cards. There really is no reason for citibank to do this to me. 

When I reached out to citibank, to find out why and to get them to reverse this as I am trying to buy a home and them decreasing my limit harms my chances, I was told that I needed to reach out to XXXX because XXXX is their credit management company and would be able to assist with my request. I thought this was the most ridiculous referral I had ever heard but I let it go because it was the weekend and I did not want to deal with it. I called XXXX on XXXX, XX/XX/XXXX and they, of course, told me they couldn't help me. I called citibank back and was told AGAIN that I needed to call XXXX. That XXXX was the credit management specialists and they could tell me why the credit limit was lowered and that citibank could do nothing to help me, no supervisor could help. Finally the person over the phone gave me an address to dispute the credit limit decrease after I kept pushing and prodding that XXXX is an unacceptable answer to my problem. 

Even still, lower a customer 's credit limit with no warning ( its been 20 days since the limit has been lowered! ) and no notification and I have to send a letter with a credit report, my personal information ( social security number, account number, birth date, etc ... ), and a plea as to why it should be reversed is a lot to ask. I am now wondering if the limit would have been lowered if I hadn't made the payment. Is this a systemic issue with citibank?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX XXXX Balance : {$40.00} ; XXXX XXXX Balance : {$96.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$75.00} ; XXXX XXXX Balance : {$21.00} ; XXXX  XXXX Balance : {$80.00} ; Medical XXXX Balance : {$210.00} ; XXXX  XXXX Balance : {$31.00} ; XXXX  XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$28.00} ; XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # 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 or other personal consumer reports

i have file a FTC report and these are the items that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Also, I have attached more information below concerning my identity theft report
Product: Credit reporting or other personal consumer reports

Citi has reported my account late to the credit bureaus, however, there was not attempt to speak with me about a late payment. I have spoke with Citi and they have no record of them attempting to contact me or speaking with me at all about a past due amount. I am requesting that Citi REMOVE THE REPORTS TO ALL CREDIT BUREAS or provide proof that they spoke with me directly about a late payment before reporting to the credit bureau.
Product: Credit card

Someone stole my identity and opened a XXXX XXXX XXXX American Express card in my name, while I already had a Hilton Honors American Express account. The fraudster opened this additional account without my consent or knowledge. Payments for the unauthorized charges were made from my checking account, but I never authorized or knew about the XXXX American Express card. I have filed both an FTC Identity Theft report and a police report, yet I am still being told I owe money on this fraudulent account. The funds for these payments came directly from my checking account. Furthermore, the Hilton Honors American Express account should not have any balance, as I was not responsible for any of the charges on that account either. I am requesting that this matter be investigated and resolved immediately, including the removal of any balances on the Hilton account and a refund for the unauthorized payments made from my checking account.