23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

To Whom it May Concern, On XX/XX/XXXX at approximately XXXX, I was approached by 2 young ( age XXXX ) males asking for donations for their basketball team. After quickly denying them my donation, claiming i did not have cash or XXXX, I began to walk away. They immediately followed me, becoming persistent in heir request for a donation, and also seeming quite forceful for boys asking for a donation. They had mentioned they take XXXX. After being quite vocal about my unwillingness to donate, I started to understand they were not taking no for an answer, and began to fear for my safety, as these males were over XXXX '', large in size, intimidating and could have easily been carrying a weapon. I opened my Chase Bank app, thinking I could quiet them by sending them {$5.00}. As soon as they noticed my bank app was open they snatched my phone from my hands and began walking fast while using my device as I was pleading to them to return it to me. They began to run and ended up dropping my phone, where i was able to retrieve it, but when I logged into my bank app again, I had seen that through my Chase App, they XXXX XXXX the name XXXX under the phone number ( XXXX ) XXXX the amount of {$2000.00}. This {$2000.00} came straight from my checkings account. 

I filed a police report and a claim with Chase bank immediately following this occurrence. Case number for police report is XXXX, and Chase bank claim number is XXXX.
Product: Mortgage

BSI Financial Services took over a loan I had with XXXX. The problem is very poor and inaccurate service on the loan. No return phone calls or information provided on the loan. Miss paid Escrow and other issues. Lack of staff to help customers. This is a collections business with only one goal. I am not that individual this type of service is not acceptable to me or millions of individuals with good credit and payment history.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent the amount of XXXX XXXX money transfer international to XXXX XXXX XXXX and the amount was claimed by someone else at least that I was told by the time that my friend claimed the money was told the claim number is been used by someone else and in order to claim the money this " other people '' needed to shown an ID on XXXX XXXX XXXX XXXX famous for stealing moneys customers in XXXX ..so I confirmed that those rumors are correct .My friend fill out a complaint that XXXX  '' still investigating '' and i called " Remitly '' the money app and their answered was that they are not responsible since the other bank marked tje money wire as " claimed " which is false.
Product: Debt collection

My complaint is that the Midwest Recovery System replaced an account that was paid through ingerent care through the Patient Financial Department on XX/XX/XXXX. I check my credit report daily through XXXX XXXX and XXXX The amount of the account is {$1700.00} and they said that this account was opened in XX/XX/XXXX. This bill was done back in XX/XX/XXXX and at this time I was unemployed. 

My next complaint is with XXXX XXXX XXXX. They are trying to collect {$190.00} from me from the original creditor which is XXXX. The original date on this account is XX/XX/XXXX. I just cancelled my Insurance with XXXX  and I had insurance with them for about three years and they didn't say anything to me about a past due amount, if so, I would had to pay them before I started insurance with them.
Product: Checking or savings account

I opened up a suntrust account on XX/XX/XXXX online and was granted a checking and savings account. Then on the following day when I tried to access my account through the suntrust mobile app I was denied access to my account. I soon contacted customer service to find out the problem and was told that my account was closed and that they couldnt give me a reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to XXXX XXXX letting them know that this vehicle loan was opened fraudulently and is not mine. This account is showing up on my credit report and is not mine and no credit agency is taking it off no matter what I have told them about account being opened fraudulently. I had advised XXXX XXXX that I request that they provide evidence that I must pay XXXX  in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
Product: Credit reporting or other personal consumer reports

I was notified by a credit monitoring service that my credit score decreased. I checked my credit and realized TD Auto Finance LLC, XXXX XXXX XXXX, XXXX XXXX, MI XXXX conducted a hard inquiry against my credit for automobile financing purposes on XX/XX/2023. I did not request this inquiry. It was fraudulently conducted without my knowledge or consent. I would like TD Auto Finance to contact the 3 main credit reporting bureaus to have this hard inquiry removed.
Product: Student loan

I took out student loans at XXXX years old, having no clue what I was agreeing to. I didn't have parental support and was trying to put myself through college. I took out private loans, having no idea the ramifications and high interest rates. I took out approximately {$31000.00} in private loans and have been paying them for about 17 years. I was told today that I owe {$39000.00}. I have been put into several repayment plans that hurt me tremendously, but this should be absolutely illegal. I would like to have this looked at as I believe there is a legal issue here. If I purchased a car for {$31000.00}, it would be paid off in 5 years. How have I been paying for 17 years and I owe more now. I am struggling to make ends meet and have called them many times. They do not offer any viable options or advising. They give me two options that are both terrible and tell me there's nothing else they can or will do. I am desperate for help. I also have federal student loans in the amount of {$30000.00} that I have been paying on for 17 years as well and haven't even made a dent in, I just owe more now. This feels like complete robbery. How does anyone get ahead in life? I feel extremely wrongfully informed and taken advantage of by Navient.
Product: Debt collection

company calls repeatedly in regards to debt. 
Debt collectors speak to me in a very hostile manner. 
Have asked company to stop calling on several occasions. 
Call 5-6 times daily. 
Company has threatened to sue me and garnish wages. 
Refused to send info. or answer questions regarding debt. 
Debt collector states that they dont need to notify me when account is sold.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report as they were opened or made without my authorization : Accounts to be blocked and deleted : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} Inquiries to be blocked : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Mortgage

Mr. Cooper refuses to cancel my mortgage insurance ( PMI ) despite an increase in property value resulting in a LTV ratio less than 75 % ( i.e. we have over 25 % equity in the home ). They will not accept an outside appraisal, even an official one for tax purposes, instead farming appraisal business to an affiliate who gave an appraisal WELL below what XXXX XXXX, XXXX, and XXXX estimate the value at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice XXXXXXXX XXXX  XXXX XXXX and XXXX XXXX on my credit all of them are fraud/ID theft, XXXX XXXXXXXX was removed then after 1 year they added it back as a charged off, XXXX I contacted and XXXX XXXX as well they are vary rude and dont care, I disputed it with the credit and they dont care I even sent police reports and ID theft paper and Fair credit reporting paper they dont care I need it removed now due to fraud
Product: Money transfer, virtual currency, or money service

I am filling a complaint with cash app due to inadequate customer service and unfair practices, which indeed violate the Customer Service Protection Act. Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, therefore leaving my account vulnerable and it unprotected. Therefore dispute resolution process was not fair and it was very deceptive, they did not comply with error resolution requirements under the Electronic Fund Transfer Act. These actions have caused significant inconvenience and financial loss, and im Seeking the appropriate redress for these types of violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a list of unauthorized inquiries made on my credit file XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXf XXXX XX/XX/XXXX XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you 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 items 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 fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

To whom it may concern : I am writing to correct/update my address. My current address is:XXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX , CA XXXXI also needed to correct/update my place of employment : XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX , in XXXX , CA.
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Over the summer I received a phone call from someone at Harris and Harris looking for my husband. They FAILED to identify themselves as a debt collection agency. They asked to speak to my husband ( it was my cell phone ) and I said they had the wrong number. When I asked what it was concerning, they hung up on me. I called them back to find out what it was about and they hung up on me again. I finally was able to speak to someone and they said it was medical debt but they could only speak to my husband about the bill. Turns out it was actually a bill for my son for an ER visit I had taken him too. The hospital had been sending the bill to the wrong address and then turned it over to collections. The bill was a co-pay I tried to pay the night of service but they wouldn't accept payment.
Product: Credit card or prepaid card

I was unable to make a payment do to the fact that unbeknownst to me UMB locked up my account over a XXXX fee. I've had XXXX tied to this card for years so it shouldn't have been a foreign charge to the card. Went I attempted to make a payment online and the sight stated there are no credit cards associated with this account. After calling in to find out the problem the late fee on XX/XX/XXXX was reversed on XX/XX/XXXX after UMB CC company acknowledging their mistake. But, they also reported me late/missed payment for XX/XX/2023 to all credit reporting bureaus. This has compromised my score preventing me from getting a better rate for an auto loan. I have attempted to get this corrected for over 60 days with no prevail. I've talked to multiple people from their customer service XXXX number including XXXX supervisors of which XXXX said they would call me back and never bothered to do so. At this point I'm needing help getting this false reporting corrected.
Product: Debt collection

On XX/XX/2022 I contacted the debt collection company by the name of 'Credit Control Corporation ' to receive information about a debt they claim I owe and a possible settlement agreement. Specifically, I talked to their 'XXXX XXXX ' department. The debt amount in question is {$170.00}. After talking to the caller over the phone they told me that they would be able to agree to a settlement of about {$100.00}. So instead of paying the {$170.00} I would only need to pay {$100.00}. I agreed to pay the amount of {$100.00} to settle the debt, however, when I requested for them to send me a written agreement they said that they wouldn't be able to send me a written agreement and I would have to make due with a verbal agreement and give them my payment information over the phone. I decided not to pay at that moment. I wish to pay off this debt in full at the agreed amount, however, I believe they are acting in bad faith and do not trust that they will only charge me {$100.00} to end the debt once I give them my payment information.
Product: Mortgage

Being over charged for escrow payments. Have request reanalysis for escrow 3 times. 
What is being paid by escrow for the year. XXXX insurance. XXXX taxes XXXX pmi for the year. total XXXX a 2 month cushion of XXXX. The yearly amount needed including a 2 month cushion is XXXX which comes out to XXXX a month. My current escrow payment is XXXX it should be XXXX There is not an escrow shortage.
Product: Credit card or prepaid card

On XX/XX/2018, my account at Synchrony Bank was taken over by someone calling Synchrony Bank Customer Service by telephone. Because the telephone number the person called from did not match the number of record, the person was challenged to give my mother 's maiden name for identification. After the person gave the correct response, Synchrony Bank Customer Service allowed the person to change my mailing address and my mother 's maiden name. The person then proceeded to charge {$8600.00} in fraudulent charges at a California music store. 

On XX/XX/2018, I received a fraud alert from Synchrony Bank. When I called the Synchrony Bank Fraud Department, my identity could not be verified because I was told my mother 's maiden name was incorrect. As a result, it took several days for Synchrony to recognize me as the victim of fraud and take action.

Ultimately all issues regarding the account takeover and fraudulent charges were resolved except one : the use of my mother 's maiden name for account security. I alerted Synchrony to the fact that it is relatively easy to find someone's mother 's maiden name in this age of online ancestral records and that the exact same thing can happen again as long as Synchrony solely uses mother 's maiden name for identication.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX and Venmo has held over XXXX of my funds past 180 days and wont release my funds or transfer them. There user agreement says they have up to 180 to hold funds and nothing says anything about a day later. Its been over a year and a half and they still wont give any explanation or anything. The date my account has been frozen is XX/XX/2020. They also sent me a email saying they would release my funds on a specific day and still it hasnt been anything. I will attach that with this
Product: Debt collection

I noticed a collection on my XXXX  report by Credit Collections located at XXXX XXXX XXXX, XXXX MA. I sent them an initial Validation of Debt letter via certified mail with return receipt on XX/XX/XXXX. They did not respond to letter # XXXX, so I mailed a second request of validation of debt via certified mail and return receipt on XX/XX/XXXX. Credit Collections did not respond to either request and has failed to allow me the opportunity to challenge their claim of debt owed. Furthermore, I do not owe this company a debt as I have never done business with them in the past and have requested proof of owed debt with no response to said requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, and XXXX from 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my husband electric bill because my husband has been taking care of this bill for over 12 years. They confirmed that my name was not on his account. I called the XXXX XXXX XXXX over 12 different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney.

I was a victim of Identity theft years ago and noticed upon my release from XXXX  that my personal information had been compromised. Two long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of XXXX  and changing my life this is a step back for me especially because this isn't my debt. Please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

About two weeks ago I've deposited a {$2000.00} check for a coworker using my account, the check was properly signed over to me. My account and funds are being restricted. 

Chase has requested a phone number to verify the person who has given me the check.

Chase method of phone number verification has failed to verify the person. where they claim that number does not match. 

I looked into it my self, where I've contacted the phone provider my self, and they have verified that the number is indeed registered and linked to the person that has signed over their check. Direct contact with the phone company has verified. 

Have come across many that are having this issue with chase, I've provide this evidence to chase, that their method of trying to verify phone numbers with public records have a high result of not matching because their not going directly to the provider, and by using public record will only go into previous owners of phone number not always the current owner. 

They say that they only can use this method, knowing well that they could use another one. 

Now they say they will hold {$2000.00} until verified and close my account, which I haven't been able to access no funds,. 

Chase should have a better and variety of ways to help their customers, especially when customers have been providing better options. 

Also I've told chase that we can contact our employer that wrote the check as to verify this as well but they refuse,.

This have been time consuming and really a set back for a customer that's been trust them for years, and has never had this happen to not have found a simpler solution in the time frame and process.
Product: Credit card or prepaid card

We took advantage of 0 % credit card offer for 18 months in XXXX of 2016 on our XXXX XXXX  credit card. We are a XXXX XXXX and we use our home as our mailing address for the XXXX. We moved in XXXX of 2016 and had our mail forwarded to our new address. Because we were concerned about missing any payments due to the move, we went to great lengths to keep track of when payments were due. No payments were ever missed on this account. Unfortunately, we recently learned that XXXX XXXX closed the account and have started to charge interest on the account. When inquiring as to why this happened, we were informed that the account was closed because we moved. This happened despite our payments being made and our mail being forwarded. <P/>We requested that the account be reopened and the 0 % interest offer be honored. We also requested a reimbursement of all interest charges that were charged to the account. XXXX XXXX has refused to honor their 0 % offer.
Product: Mortgage

My complaint is against DovenmuehleXXXX XXXX My original mortgage loan was with XXXX XXXX for {$630000.00} on XX/XX/. It was later transferred by XXXX XXXX to DovenmuehleXXXX XXXX XXXX shows the loan received as {$630000.00}, but input the principal balance owed at {$730000.00}. I never accepted additional money nor signed for additional loans from them. They have been given multiple documents supporting there mistakes and are dragging their feet to fix this error. I am currently in escrow to close the sale of my house and can not complete due to this {$100000.00} error.