23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is the XXXX XXXX XXXX XXXX New Hampshire I lived on the border in XXXX NH and worked in XXXX so I believe 30 years ago that in the area for some reason the post office was combined. Just in XXXX because the population rural also may have two I do know someone who lives in a town nearby but they have 2 same zip codes for mail and post office boxes so this was 30 years ago but no it is not likely both as on credit report I have little to go by but it may have been someone at the same time and or unknown to get my info ID theft. I also have obviously lived at XXXX XXXX XXXX XXXX XXXX but mail was always missing from both parents growing up. So if it was showing XXXX XXXX XXXX I opened it at XXXX when legal because I was not happy mail missing XXXX XXXX XXXX XXXX ( XXXX prior to XXXX ) and may be XXXX XXXX now XXXX. But mail by mother did happen a lot. So at XXXX opened XXXX XXXX XXXX XXXX tired of it. Own mother. But if showing as resistance at a later date it may not be me. However it may explain why I was not receiving my mail even at own place and should have had nothing to do with the residence. This is why I still question how my mother is last known connecting with people that I rented from etc. and same area and mail. If in my name I can only say which are mine if I am not sure I am really starting to question this. So it was on XXXX however it may be on the others and they may have more of a mess. 
XXXX XXXX XXXX XXXX is XXXX I likely mentioned. However the mailbox was in addition to other questionable items as XXXX Mail XXXX etc missing. XXXX was the mail XXXX. He sadly told me that because of the ice he wanted to get it up but he said that he was not allowing because XXXX XXXX XXXX did not fix mailbox sand clear and even left it when a plow might hit it more than once. So at the time during that winter storm which was not by landlord taking the responsibility to even get it to where the town asked him to put the mailbox so it would be less likely to be an issue. So town asked him to pick it up at the post office. Odd thing is he would not let me go to get my mail. Here is the correct address for my XXXX XXXXXXXX XXXX  address about XXXX old.
Product: Debt collection

Account brokers of XXXX county picked up a debt of medical bills that my insurance was suppose to pay but did n't. The bill was under XXXX dollars but they sued me for it and added XXXX dollars for that. That increased the debt to over XXXX dollars with interest I paid them XXXX dollars then about a month and a half later they send out a wage garnishment and added XXXX dollars for that even though I was paying then. The garnishment paperwork says they are now coming after over XXXX dollars off my wife 's wages!
Product: Credit reporting, credit repair services, or other personal consumer reports

On this XXXX XXXX account I was advised because of the Pandemic when I contacted them in XX/XX/XXXX, they would remove the late payment in XXXX. Instead of removing it they left it and added fraudently late payment history for XXXX in which I never used the card this year at all because I was going through a mortgage process. The account is showing now 6 times past due which is incorrect and as a result of this incorrect information I was denied a car loan applied for this year. This information was added after my closing because there would have been no way to close on my house which this deliquent information on my report.
Product: Mortgage

We were given a 90 day mitigation at the onset of covid 19.After the ninety days ended we were asked if we would like to repay the 3 payments in a lump sum or have them added to the end of our contract.We elected to have the payments added to the end of our mortgage contract.That was almost 2 years ago and we are still shown as behind by 3 payments.Those 3 payments originally totaled XXXX XXXX.After receiving an escrow analysis saying we had a shortage of {$4800.00} ( XX/XX/XXXX ), we paid the shortage.Today XX/XX/XXXX we were told our escrow shortage was originally XXXX XXXX.Our taxes are around {$1700.00} and our insurance around {$3200.00}, so how is our shortage $ XXXXEverytime we call to speak to someone we get conflicting information or we mysteriously get transferred to their survey line.The one time we were able to speak to a supervisor, she said she would have a specialist look at our account and someone would get back to us, that never happened.The person we spoke to can't tell us why there is such a discrepancy in the numbers.There web site is no better it contains outdated and confusing information.It shows recent months with no payments and we haven, t missed any payments other those three that were in mitigation.We need to have some explain in detail whats happening with our mortgage account.We are starting to regret ever establishing a mortgage with this company.They are not very customer oriented.
Product: Mortgage

This is the third complaint about the same payments that were cancelled on LoanCare 's website. I cancelled payments for {$1200.00}, {$2400.00} and {$1200.00}. LoanCare attempted to withdraw these funds from my bank account after they sent me emails confirming that the payments were cancelled. They were successful in withdrawing the {$1200.00} and the {$1200.00}, but not the {$2400.00}. I requested that they return the funds for the three payments, before the {$2400.00} was declined by my bank. Once I realized that they were unsuccessful in removing the {$2400.00} that they should never have tried to remove, I called them and informed them that they didn't receive the {$2400.00} and to not return those funds to me. The representative that I spoke with said that they would only send me checks for the {$1200.00} and the {$1200.00}, that were actually removed from my account. On XX/XX/XXXX, I received checks for {$1200.00}, {$1200.00} and {$2400.00}. I also got 4 letters telling me that I was getting an NSF for the {$2400.00} that they were unable to remove from my account. When I checked my account, I did indeed have a {$25.00} NSF fee for their deceptive activities. Further, they reversed 3 previous payments, 2 that were principle only and 1 that was my regular monthly payment. Then they credited back the funds minus the {$2400.00} that I told them not to send me in the first place all to principle. I was never notified that they stole {$2400.00} of paid principle from me. Now, it is up to me to correct their error by paying the {$2400.00} back to them again. Further, if I hadn't decided to make the {$2400.00} payment and hadn't looked at my account to see that they removed my regular payment, then I would be getting a late fee. I had every expectation to believe that my monthly payment was made. I have not received any communication from LoanCare about these additional actions that were taken on my account behind my back and without my consent. Additionally, they are charging my interest on the {$2400.00} until I return to them the funds that I asked them not to send to me in the first place. I acted ethically with them to make sure that I only received back what I was owed and nothing more. They have acted unethically and deceptively at every turn. When I cancelled the payments online, they could have sent me an email that said, " We are unable to cancel your payment at this time ''. Instead, they chose to send an email that said, " You are all set. Your payment has been cancelled ''. That was deceitful. Then, they could have not sent me the check for the {$2400.00} that I told them I didn't receive and they told me they would not send me. That was another deception. Then they reversed my payments and credited them back in a different application without ever informing me, the consumer. Again, a deception intended to materially harm the client.
Product: Credit reporting

" consumer debts that did not arise from a contract or other agreement by the consumer to pay '' are no longer supposed to be derogatory marks on credit reports as of the new fair credit reporting laws. 

i joined XXXX last year and saw this mysterious mark on my credit that said XXXX '. i had loaned someone who lives in XXXX my car for a month to help them - but they had never told me my car got a ticket and i had moved so i assume i just never got it in the mail. i wrote the company and said i knew nothing about this fine and that i refused to agree that it was a true debt but that i would be willing to pay the full amount ( plus XXXX $ ) in full if they removed it from my credit report because i would rather not fight about it. they simply then sent me a bill in return - the first i had seen - and tried to up the amount of money they claim i owe without agreeing to remove the stain from my report so i did nothing. 

i just was sent an article recently claiming that credit companies now have to remove such bad marks as parking tickets since as in my case it was not a contract where i agreed to pay and did not.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX I requested from XXXX TO SEND ME PROOF OF PAYMENT DATE FOR A BILL PAY XXXXXXXX XXXX XXXX. THE EXACT DATE XXXX RECEIVED PAYMENT FROM TD BANK. 
SPOKE TO SUPERVISORS XXXX, XXXX, AND XXXX AND THEY CLAIM THEY USE A THIRD PARTY TO.GENERATE MY REQUEST. TD BANK SAID THEY DO NOT KNOW WHERE MY REQUEST DOCUMENTS ARE. THEY HAVE NO ANSWERS. THEY OBSOLVE THEMSELVES FROM OBTAINING THESE REQUESTED DOCUMENTS AND BLAME THEIR THIRD PARTY FOR THE DELAY AND NO ANSWERS AS TO WHEN THIS REQUEST WILL BE PROCESSED AND SENT TO ME VIA ONLINE BANKING OR VIA HARD COPY VIA USPS.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, a mobile deposit was made by me to my XXXX XXXX XXXX checking account for the amount of {$4600.00} On XX/XX/XXXX, XXXX   indicates the same check was 'negotiated ' at Wells Fargo On XX/XX/XXXX, XXXX debited {$4600.00} out of my checking account saying the debit was being made to 'reverse deposit made on XX/XX/XXXX as duplicate item '. 

There was no 'deposit ' made to my checking account on XX/XX/XXXX. 

As such, there is no 'reverse ' deposit to be made. 

Secondly, the original check I deposited through phone was destroyed after the initial deposit was made in XX/XX/XXXX. As such, there is no way a physical check could have been presented to Wells Fargo by another person, almost a year later in XX/XX/XXXX. 

Thirdly, even if the check was presented to Wells Fargo somehow, it is not clear how the check presenter 's ID was verified and confirmed. As I've never attempted to make a duplicate deposit with the same check. Again the original check was destroyed back in XXXX, XXXX. 

The original check was issued by XXXX XXXX XXXX XXXX ( XXXX ). According to their investigation, the duplicate check cam to XXXX via banking channels thru routine clearing. No individual presented the check to them and physical check never got to them. 

XXXX did not honor this check. Per XXXX, on XXXX, when the same check was presented they didn't honor it as it was duplicate. But somehow, the check was 'deposited ' to Wells Fargo account belonging to New Jersey Department of Revenue Services and the fund was withdrawn from my XXXX checking account. 

In summary, somehow a dubious, duplicate transaction was made using the same check ( or image of the check ) I'd deposited in XXXX, XXXX. XXXX   'reversed ' this transaction in XXXX, XXXX without my authorization. It is not clear how the physical check was presented to Wells Fargo as this is not possible. XXXX claims no responsibility. XXXX says they do not know what happened because this is a transaction made between XXXX and Wells Fargo. Meanwhile, the deposit stamp on back of the 'physical check ' indicates this money was deposited to an account held by New Jersey Department of Revenue Service . Lastly, it is not clear image of the check presented the 2nd time is actual copy of the 'physical check ' or mirror image of the picture taken back in XXXX, XXXX. 

XXXX and XXXX are claiming no responsibility for this transaction, even though there is no clarification as to how the duplicate transaction was attempted, to whose account the money was sent to and whether there was any validity to the 'reserve deposit ' transaction claim they've received from Wells Fargo XXXX
Product: Credit reporting 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. Account name : XXXX XXXX XXXXXXXX, 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 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. XXXX is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on XXXX XXXX XXXX XXXX XXXX BANK / XXXX XXXX I contacted Experian and asked them why my other credit cards are not showing on my report. They said you need to contact the creditor we report whatever they report to us. I contact all my credit card companies and they confirmed they are reporting to all 3 credit bureaus this is incorrect. Experian is refusing to report my other credit cards. I have attached proof. 

Accounts not showing on Experian XXXX XXXX BANK / XXXX XXXX For Experian to report my other credit card accounts.
Product: Credit reporting or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Dispute of Late Payment Entry ( XXXX XXXX  ) To Whom It May Concern : I am writing to formally dispute the late payment entry on my credit report related to the account referenced above. Under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 USC 1681a ( 2 ) ( A ) ( I ) and 15 USC 1666b, I am requesting that this inaccurate and misleading late payment entry be investigated and corrected. 
XXXX XXXX XXXX ) XXXX - XX/XX/XXXX ( XXXX 30 days ), ( XXXX days ), and ( April 90 days ) Please update the late payment, make current and on XXXX 
XXXX XXXX ( XXXX ) XXXX days, XXXX days, XXXX 60 days, XXXXXXXX XXXX 60 days, ) Please update late payment, make current and no time. 
According to 15 USC 1681a ( 2 ) ( A ) ( I ), a " consumer reporting agency '' is required to ensure that information reported to them is accurate, timely, and complete. The late payment reported on my account does not reflect accurate information regarding my payment history. Furthermore, 15 USC 1666b establishes clear guidelines for reporting and managing accounts that may have discrepancies in payment dates and amounts, especially when late payment reporting is unjustified.

I request that you review this account, verify the payment history, and correct or remove the inaccurate late payment reporting. If this is not resolved within 30 days, I will be forced to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies.

Please confirm receipt of this dispute and let me know the next steps in the process. I expect the timely removal or correction of this entry in accordance with the aforementioned statutes.

Thank you for your prompt attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX )
Product: Checking or savings account

On XX/XX/XXXX I went online to check CD Rates for purpose of rolling over a retirement account in to a IRA CD. Discover Bank rates showed 4.4 % for all CD 's. It also on that same page showed in large print, Locking in you CD rate is easier than ever for the heading and then below, comments 1,2,3 Number 2 comment stated Make a deposit now or come back and do it later, whichever is easier. 
It is known up front by Discover that a rollover is a process that takes several days or weeks in this case. On the first day after opening this CD they dropped the interest rate. 4 days later they dropped the rate again. Still after 15 day, XX/XX/XXXX when the funding bank stated they mailed the check and today XX/XX/XXXX there has not been processing of the check and continued denial of receiving it. Regardless of the time to receive the check, which is out of my control, Discover should provide a grace period for funding and not keep reducing the rate daily or weekly. Discover Bank continues to default to a very small astrick that links to a very small print that states several comments with rates subgect to change until funded stuck in the middle of it all. With the very large print on the advertisement page contradicting this I would hope the large apparant false advertising should be first considered. Rate should be provided at the opening rate considering the funding bank processed and stated they mailed the check the next day. Since then Discover has completely changed the wording in this misleading advertisement to Omit, lock in your rate now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, 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 received this notice from Nationwide Debt Reduction Services LLC about Credit Card Settement with a 10 day response to the notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed the inaccuracy of a collections account XXXX & XXXX. This account is reporting as open, with XXXX XXXX, and XXXX. This is a violation to report a charged off account as open. This needs to be removed immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my previous bank institution and Zelle failed to investigate my claims adequately. They informed me that recovering funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX