23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I attempted to make my XXXX mortgage payment on XX/XX/XXXX only to discover my mortgage payment was increased without any notification. I contacted XXXX XXXX XXXX XXXX and was informed that I failed to pay my taxes for XXXX. I explained I had a receipt for the XXXX taxes that I paid in XX/XX/XXXX. I was told on teo different phone calls on XX/XX/XXXX and XX/XX/XXXX that the correction would be made. As of today they are still escrowing for taxes. I have a not escrow account as I approval from previous lender to pay my taxes and insurance. I feel Rushmore has violated my rights as a consumer as they did not contact me by phone, e-mail or mail advising or asking about the taxes. I believe i was to be given notice of the payment change at least 15 days or more before the effective change as if this date that still has not happened. I have made the payment at the higher amount because I can't afford to ruin my credit just because Rushmore will not fix the payment to principal and interest only. Rushmore has been very uncooperative and has given me the run around.
Product: Debt collection

XXXX came in my absence from my XXXX home atXXXX XXXX XXXX, XXXX. It was observed by my property manager that the destruction that ensued was major and costly to repair including holes in the wall, bending the aluminum opening of the sliding glass door to enter when it was locked and installing the cable modem on the wrong side of the room. My complaint went unheard, their only offer was to send someone, ( right, once a destructive burgler has entered your home, you MUST always open the door for them, on subsequent occasions, how about oh ... ... never ) They sited my agreeing to a contract ( no, it was not I ) it was someone who was NOT the owner of the residenceUnder NO CIRCUMSTANCES would I ever agree to have my home damaged ( I had just bought it, when this occurred ) Then they damaged my, NEVER LATE ON ANY PAYMENTcredit historyThis has already happened to me, but some strong negative reasons should be given this greedy, unresponsive, credit damaging company, to NEVER again do this to the next customer.
Product: Credit card

I have the right to take legal action if a creditor or credit reporting agency provides inaccurate information on my consumer report 15 U.S. Code 1681s2, even if they later update it. The false information caused me harm by reporting on my consumer report as accurate which was not. This has caused great harm to my reputation. I have provided the inaccurate consumer report along with the updated report as proof Comenity Bank/ Kay Jewelers has been reporting false inaccurate information.
Product: Debt collection

XXXX is still trying to collect debt not owed. 
Find attached confirmation of Device being returned to XXXXXXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

Despite my previous efforts to rectify this issue, it has come to my attention that the erroneous items have not been removed as required by law. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. 

These inaccuracies are causing significant distress and may adversely affect my financial well-being. It is imperative that you take immediate action to remove these fraudulent accounts from my credit report in accordance with FCRA guidelines. 

I request that you provide confirmation of the removal of these fraudulent accounts once the necessary steps have been taken. Failure to comply with FCRA regulations may result in further action being taken to protect my rights under the law. The following items should be removed as soon as possible : 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 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
Product: Credit reporting

i called the credit card company and they are showing this account closed. i went through a debt resolution company. i had a settlement with this company which was honored. the balance they forgave is showing on the credit report and it is showing open account.
Product: Mortgage

Fay Servicing ( XXXX ) recently took over my mortgage. My 1st payment due to them was XX/XX/2022. On XX/XX/2022, a payment was sent to Fay through my banks Bill Pay. This payment was returned due insufficient funds because I accidentally connected it to my daughters bank account and she didnt have that type of money in her account. Once I realized the error I immediately set up another payment, from my bank account this time. This second payment was processed and the money was taken out of my account on XX/XX/2022. On the evening of XX/XX/2022, I received a call from Fay Servicing that they had not received my payment. I explained the situation and they told me to contact my bank to get a Proof of Payment letter and to send this letter to Fay. I did this on XX/XX/2022. Fay said they would look into it and get back to me in 2-3 days. On this same date, I also opted to set up future mortgage payments through Auto Pay on Fays website. No one from Fay Servicing has reached out to me since XX/XX/2022. The XXXX payment still does not show as paid, and due to this issue they are not processing my XXXX payment through their Auto Pay. I have called Fay Servicing several times and sent additional information in an effort to resolve this issue, with no success. I am concerned that this issue will cause me to go into default on my mortgage if not remedied quickly!
Product: Money transfer, virtual currency, or money service

I would like to report unauthorized transactions made on my Coinbase account. This is to ensure Coinbase is advised of all steps taken by me, in an effort to work with Coinbase to resolve this matter and regain access to my Coinbase account. 
XX/XX/XXXX : Text came that my XXXX password was reset. On Phone w/XXXX, I get text that Coinbase password was reset. Asked XXXX for SIM Lock & Port Freeze. XXXX  rep reset my PIN, changed password. 
XX/XX/XXXX : Called Internet Service Provider, XXXX by XXXX to change password on email used to login to the XXXX and Coinbase. 
XX/XX/XXXX : Received emails from Coinbase for following four unauthorized transactions : 1 ) {$100.00}, 2 ) {$400.00}, 3 ) {$80.00}, 4 ) {$35000.00}. I called Coinbase XXXX to deactivate my account, and completed online form providing details. I received Coinbase email ( Case # XXXX ) with directions to take security precautions, and reply back when ready to restore access to my account. On XX/XX/XXXX, I completed all precautions and replied to Coinbase to restore access to account. 
XX/XX/XXXX : XXXX XXXX XXXX shows 2 transactions pending ; stop payment on both {$400.00} and {$35000.00}. Changed all banking and credit card passwords. 
XX/XX/XXXX : Called XXXX, spoke to XXXX. She said someone accessed XXXX account on XX/XX/XXXX, reset password, changed SIM card number within XXXX account. That allowed criminal to make unauthorized transactions remotely from a new SIM card and phone. XXXX put port freeze and SIM lock on account. 
XX/XX/XXXX : Email response from Coinbase state they are working with a specialist to address this issue ; to follow-up as soon as they have update. 
XX/XX/XXXX : Email from Coinbase stated the {$35000.00} and the {$400.00} transactions failed. If I dont take action, in 5 days they initiate automatic recovery. 
XX/XX/XXXX : I Email Coinbase with additional information and request status of their investigation of this issue. 
XX/XX/XXXX : I sent online inquiry to Coinbase for status update and request account access. They replied by email, and have passed all my info on to an account specialist reviewing the case ; state it generally takes 4-5 business days. 
XX/XX/XXXX : I sent email inquiry to Coinbase asking for account specialist to respond with update and help me restore access to my Coinbase account. 
XX/XX/XXXX : Corporal Landis Suwannee County Sheriffs Department took info and documentation to share with investigators in his office and file police report regarding the unauthorized transactions reported to Coinbase. 
XX/XX/XXXX : I filed identity theft report with the Federal Trade Commission regarding the unauthorized transactions reported to Coinbase. 
XX/XX/XXXX : I sent email inquiry to Coinbase asking for account specialist to respond with update and help me restore access to my Coinbase account. 
Further details such as case numbers, or transaction codes can be provided upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/2022, XXXX withdrew {$88.00} from my checking account without my knowledge or consent when I had signed up for a free trial. I have tried to contact them via chat and email with no response. I can not find a phone number to call their customer support.
Product: Credit reporting or other personal consumer reports

I am writing to challange the payment status that is currently being reported on my closed XXXX XXXX account #, [ XXXX ], which is listed on my credit report. I have recently reviewed my credit report and noticed that this account is reported as having an outstanding balance, despite the fact that it was closed. It should be listed as closed account after the first delinquency.
Product: Vehicle loan or lease

The company continues to report to the credit bureaus that payments are 30 days late every month. Payment was made late in XX/XX/2019 and instead of reporting the month it was late they instead continue to report XXXX and every month since as being 30 days late which is not correct. I have submitted a dispute with the company as well as a good will request and was denied changes to my credit reports. The company is instead asking me to pay about 2.5 months and claims this will correct things and have me current. I am at the end of this loan, I owe approximately {$3500.00} and they're asking for basically half of that instead of reporting accurate information.
Product: Checking or savings account

Back in XXXX, I opened my CITIBANK , N.A . checking account at CITIBANK , N.A . at CITIBANK XXXX. XXXX # XXXX in XXXX XXXX, NY. 

About less than a year ago ( XXXX, XXXX ), I was charged an overdraft protection fee. They waived that fee for me and then after that I asked them to opt out of the overdraft protection ( I have never opted in and I opened my bank account after XXXX ). 

Today, I got an email from CITIBANK , N.A . that they charged {$34.00} as an overdraft fee, so I called the customer support right away to get the fee waived as I already opted out of the protection and but they denied my claim. 
A supervisor named XXXX told me that it is not possible to opt out of the overdraft protection, which is clearly against the overdraft regulation that was imposed after XXXX. 
The only customer support channel they seem to have is an outsourced customer support and the supervisor told me that they can't do anything to escalate the case. 

I need CFPB to help me get this case through with CITIBANK , N.A . 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My wife and I sold a XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) to XXXX XXXX on the XXXX of XXXX. Nissan Motor Acceptance Company received and deposited a check in the amount of {$46000.00} on XX/XX/XXXX. We spoke with XXXX ID number XXXX at NMAC on XX/XX/XXXX at around XXXX to report excessive robo-call warnings of my account being delinquent. He stated they would investigate to determine where the money had been applied but this process would take XXXX days for resolution. We requested notes be made on the account verifying NMAC had received and deposited the payoff check. We further stated this was an internal issue with NMAC misapplying funds. 
I am currently forward XXXX, in XXXX, XXXX. Today I was informed that an account on my credit report had been flagged for being 30 days delinquent, which jeopardizes my XXXX XXXX XXXX XXXX. I immediately called NMAC to report this issue. After being passed around to 6 CSRs, and being on the phone for 1 hour and 45min the call was disconnected, with no resolution and no subsequent call back. The last thing I was told was that it would take 30 days for NMAC to investigate my complaint, even though I informed of the significant adverse impact it might have on my career status.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and Im submitting all requested ftc, police report, documents to support my claim for the fraudulent/inaccurate accounts below. I demand them to be blocked and removed from all 3 credit reporting agencies immediately.. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report. I've notice that XXXX, XXXX, & Experian. All three major credit reporting agencies continuously report multiple inaccuracies and violations under fcra rules section 1681. 

Account under name # XXXX XXXX XXXX XXXX 

Notice two accounts 1 ) XXXX XXXX XXXX XXXXXXXX original creditor ; XXXX balance {$3500.00} 2 ) XXXX XXXX XXXX   XXXX original creditor ; XXXX XXXX XXXX XXXX  balance {$1900.00}
Product: Credit reporting or other personal consumer reports

I requested the credit bureaus to verify everything on my credit report, and they did. They stated that everything was accurate, and I did thorough research and found proper inadequacies dates on the credit report even after they did. Account : XXXX XXXX XXXX Under the fair credit reporting act, XXXX account # XXXX with 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 also states a consumer reporting agency can only furnish an account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

STUDENT LOANS ARE NO LONGER WITH XXXX PER XXXX ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL 20 SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE XXXX OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY XXXX, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT XXXX DONOT HANDLE MY STUDENT LOANS & THAT ALL 20 SEPARATE STUDENT LOANS ARE PAID IN FULL WITH XXXX XXXX THAT HANDLES ALL 20 OF MY STUDENT LOANS, PROOF SENT BY XXXX.
Product: Money transfer, virtual currency, or money service

Someone was able to get my phone and retrieve all my personal information. They then opened fraudulent accounts in my name and other names in other states. They also transferred {$19000.00} from one of the fraudulent accounts to my main checking account then dispersed all the funds via XXXX XXXX XXXX XXXX and XXXX. They then somehow reported the {$19000.00} deposit and reversed it. This left my bank account negative {$19000.00}. We have a police report. We reported identity theft to the Federal Trade Commission and have placed a hold at all credit agencies. We've first contacted Bank of America on XX/XX/XXXX. They told us to let the pending charges sit and they will eventually fall off. They never fell off, so we reported a fraudulent claim with Bank of America. There were three claims opened. Claim # XXXX and # XXXX and # XXXX. Claim XXXX and # XXXX were for accounts opened in my name and the name of XXXX XXXX Mowatt and XXXX XXXX XXXX. The {$19000.00} was originally transferred from the account in the name of XXXX XXXX XXXX. After a denial on both claims, we requested a reconsideration and Bank of America approve the claims. Both accounts are now closed with Bank of America. Claim # XXXX is for transfers from my main checking account via XXXX XXXX XXXXXXXX and XXXXXXXX XXXX for {$10000.00}, {$2500.00}, {$2500.00}, {$1000.00} and {$3300.00}. I did not authorize these transfers, nor did I have any knowledge of this happening until I checked my bank account online. Bank of America has denied this claim 3 times. The second time it was denied, they said it was because it wasn't reported timely. We sent them copies of phone records from XXXX XXXX XXXX showing long phone calls multiple times a day beginning on XX/XX/XXXX. Our last conversation was with Bank of America on XX/XX/XXXX and they informed us the claims have been denied and the information has been reported to XXXX and we are responsible for paying the money back. We did not authorize these charges and we feel we should not be responsible for this. Please see all the attachments as I have page numbered the order and wrote notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I went into the branch to withdraw funds from my business account and was denied. Soon as I left my accounts were locked and they told me they will be sending me a check in 90 days. I have a family and my wife is having XXXX so I need my funds now.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account : 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

I was reviewing my credit report on XXXX when I noticed that i was placed in collections for a debt that did not belong to me. I contacted Central Portfolio Control and politely informed them that this debt is not mine. The recovery specialist was belligerent, rude, and hostile and told me that the medical debt was mine. I gave her my email address and asked her to send me copies of me signing for consent to be treated at that hospital, and all necessary paperwork showing that it is in fact my bill. The representative agreed to do so. It has been two weeks and the company has failed to respond to my request. Please help me to remove this false medical bill from my credit report because this bill does not belong to me. 
Thank you kindly for your assistance, XXXX XXXX XXXX
Product: Debt collection

Opened XX/XX/2021 I reached out to both the credit bureau 's and the collector.
Product: Credit card

I have received " targeted offers '' from Chase for the " XXXX Mileage Explorer Card '' for several years. I have applied 2-3 times in the past and been rejected for mediocre credit worthiness. Since I had received several new offers, which mentioned bonus XXXX miles, and did not have a card for XXXX yet ( and DO for the other XXXX legacy carriers that charge bag fees, XXXX and XXXX ), I applied for their card / offer. The offers I had received mentioned " annual fee of {$95.00} waived first year '' as part of the marketing, and this was consistent with advertising that was seen in billboards and in print advertising. I applied for the card, and to my surprise, was approved. Several days later, I noticed they had immediately charged the {$95.00} annual fee to the account. I sent several email inquiries to Chase, and each one said the fee was justified, because my " targeted offer '' did not include the annual fee waiver, despite what I had seen on my offer, as well as consistently in their advertising. One of the last emails I had received, when I escalated it, complaining of their fraudulent marketing, basically said that because I had applied online ( as one is apt to do these days ), the annual fee waiver was not honored in my case, and there is no way to change it at this point. They basically admitted they used deceptive marketing practices, refuse to honor their " card benefit '' of " first year annual fee waived '' and despite all my email attempts, will take no further action, basically saying I was penalized for applying online. They do not care that I have discussed filing complaints with the CFPB and my state 's attorney general, as they, as a big corporation, really do not care about consumers, and consumers ' rights.
Product: Checking or savings account

On XX/XX/XXXX I have received {$200.00} on my Citibank Checking account and once I tried to activate my Citibank debit card they locked me out of my account. I have called them several times and they keep asking me for my checking account number ; but I dont have that. So they ask for my social security number and then still cant get access to my account!!! Please help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries on my credit report that do not belong to me. I have contacted all the credit bureaus to inform them and to ask them to please remove as I did not authorize or give these people permission to pull my reports. XXXX and XXXX removed the fraudulent information after their investigation. Equifax has refused and is asking me to contact the companies directly myself. I am filing a complaint because after sending them a police report they still refuse to remove. I need the following fraudulent inquires removed from my Equifax credit report. XXXX XXXX XXXX XXXX XXXX XX/XX/17 XXXX : XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 XXXX XX/XX/17 XXXX XXXX XX/XX/17, XX/XX/17 XXXX XXXX XXXX XX/XX/17
Product: Money transfer, virtual currency, or money service

Complaint company : PayPal The reason to complain : This company refused to help me to get my money back. 

Amount : {$470.00}. 
Transaction date : XX/XX/2025.

Date of customer dispute:XX/XX/2025.

PayPal refused my case : XX/XX/2025. 

A customer named XXXX XXXX bought a XX/XX/XXXX wig which cost {$470.00} from our business. The XXXX delivered the wig in same day to her. ( please see the pictures of the text message of the purchase processing and XXXX information ). 

She disputed it from PayPal half month later since she bought it.She said the transaction is not authorized. But i am sure she knows it and she is the one use the PayPal and buy the wig because she always buy products from us and sent money through PayPal ( you can see the history payment details from PayPal ). This time she is lying and want to do this for a free merchandise! 

I offered All evidences to PayPal, they know the customer is lying but they don't help my business! Also PayPal changed me extra money {$15.00} from this case for doing nothing!