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

I am the Creditor of the accounts listed below pursuant to XXXX XXXX XXXX XXXX ( F ) The term Credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumer credit transaction created by me granted the rights to comenitybank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX by way of endorsement. I am the original creditor pursuant to 15 U.S Code 1602 ( g ) The term creditor refers only to a person whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. The debt derived from me when the note was endorsed by me. The information reported by this agency is not reporting the true and original Creditor and therefor the accounts is not reported accurately and needs to be removed. I demand you verify that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security Card was used to extend credit to these companies it was the Credit card used to fund these accounts pursuant to 15 U.S Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Checking or savings account

My XXXX XXXX XXXX  matured on XX/XX/XXXX. On XX/XX/XXXX ( within 10 days grace period ) I closed the account and requested Ally bank a check be sent to me so I can roll it over to XXXX bank ( within 60 days ). This request was completed on the phone as well as by Ally form attached as a secure message to my online account. Ally bank ignored it, instead renewed my XXXX XXXX 
It took many phone calls and secure messages for the bank to acknowledge their error, and a check for part of my matured XXXX finally came on XX/XX/XXXX. However, since the bank already renewed the account, they deducted from my XXXX check a PENALTY amount. The rest of the check I immediately mailed to Synchrony bank. I requested Ally to return my XXXX money to the rolled over XXXX account which was already open at XXXX XXXX XXXX funded my rolled over account, and agreed to add the portion Ally illegally took, to the rollover XXXX account. They insisted Ally must explain their error in a letter with the check. They request Ally to send the check and letter to my residential address. So far Ally didn't and communication with them seems to go on deaf ears and lost in the shuffle. case number : XXXX
Product: Mortgage

XXXX ) XXXX & XXXX XXXX took out a mortgage with Carrington Mortgage thru XXXX  XXXX XXXX in XXXX XXXX ) .My husband & I were both seniors on XXXX paying approximately {$790.00} a month mortgage to Carrington Mortgage , 3 ) Due to my husband 's illness of XXXX & the hardship we faced during this ordeal ; we were placed in a forbearance 4 ) My husband passed in XX/XX/XXXX XXXX ) .My late husband handled all the finances in our household, so I was at a loss when I was approached by Carrington to start back paying a monthly fee if I wanted to keep the home or pay approximately the {$11000.00} we were in arrears.

6 ). Unable to pay that amount, I was told that it would work out better for me if the loan was refinanced & I would not have to pay the arrears but start a new and make monthly payments of approximately {$780.00} per month & I did. Never late & in fact I paid {$800.00} a month to be placed on principle 7 ) In XXXX, after paying my insurance & taxes for 2 years, I was told my monthly mortgage payment would go up to {$1000.00}. I questioned why the increase & I was given reasons that all FHA MORTGAGES would have to be in escrow, the homeowner insurance I had went up and that my taxes & insurance had to be payed by Carrington.

I explained this amount would bring about a hardship for me, why can't I continue to pay my taxes & insurance as I had done in the past two years & was told I could not. 
My children helped me with XXXX and XXXX payments of {$1000.00} but I do noy want to have to continue having them faced with this unnecessary financial burden when they have families of their own. 

I need help in rectifying this financial hardship I am now facing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN last XXXX digits XXXX. My identity has been stolen.Someone has access to my personal information and has been ruining my credit making outrageous purchases. I have no knowledge of who or what this can be.XXXX XXXX XXXX, account number xxxxx XXXX account XXXX collection. Report balance {$2500.00}. Date opened XX/XX/XXXX. Date reported XX/XX/XXXX. XXXX XXXX, date reported XX/XX/XXXX. Date assigned XXXX/XXXX/XXXX. XXXX {$840.00}. Status date XX/XX/XXXX. Account number xxxxxxxxxxxxxx XXXX. WFDS Date reported XX/XX/XXXX. Date assigned XX/XX/XXXX. XXXX {$24000.00}. Status date XX/XX/XXXX. Account number xxxxxxxx XXXX. Inquiries are not mines ether.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. Also all inaccurate addresses and names that I have shown on my dispute letter. 


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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to EQUIFAX there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX  XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Product: Payday loan, title loan, or personal loan

I got injured on my job back on XX/XX/XXXX. I obtained the loan back in XXXX of XXXX. My payment were around $ XXXX a month and was made every month up until I was injured. I had XXXX on XX/XX/XXXX and XXXX for my other loans and car loan had kicked in and started to pay but this company along with another company denied it. I had XXXX insurance with this company but was denied coverage. They filed judgement against me in which I filed for a Motion to Stop Garnishment because I was trying to get back on my feet from having a XXXXXXXX XXXX XXXXXXXX. The Motion to Stop Garnishment was approved and I was set up to make {$100.00} a month towards Tower Loan debt to the attorney office named XXXX XXXX XXXX. I had paid the debt for XXXX months and for the months of XXXX I started to get in a bind again with my other bills because I was missing work due to Covid being inside the work place and they sending us home. This judgement was entered for a amount of {$3000.00} and it started up in XXXX of XXXX. From my calculation of my check stubs I am finish with this judgement but when I call XXXX XXXX on XX/XX/XXXX and asked for a settlement XXXX told me $ XXXX is 25 % of the balance and I knew something was not correct. I go to the court house on XXXX XXXX to see why the balance is off and they give me the same judgement paperwork where the amounts has been changed from {$3000.00} to {$4200.00}. I am trying to see how can a amount be changed on a judgement or how can a company add that much interest in XXXX months. But when I asked XXXX what was the original balance for me to pay off she said it was {$3000.00} my balance on XXXX XXXX, XXXX was a little over $ XXXX payoff was a little over $ XXXX. How did this company add $ XXXX to a judgement that was already entered for a certain amount and used the same documents and whited numbers out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment is reporting on my credit as of XX/XX/XXXX. As soon as I found out this was on my credit, I paid it. They never sent me my 30 day right to dispute and this puts them in violation. This account is paid and it needs to be removed from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

XXXX XXXX around XXXX XXXX XXXX popped up on my computer shortly after i received phone call, lady by name of XXXX XXXX # XXXX call me told me she is from Lake Michigan Credit Union which is my bank. she informed me that my information is hacked and that a " dummy " account needed to be setup so my money is safe also she informed me that officer from social security administration will call you. soon after men by name XXXX XXXX phone number XXXX call me and told me the investigation is on going he advise me not shire any information with others sand me a document title social security administration and inform me that he is working with FBI and all the law enforcement to secure my information. on XX/XX/2022 XXXX call me she provided me with wire information and had me send {$72000.00} to that account. XX/XX/2022 she instructed me to take out {$6000.00} in cash and deposit it into a bitcoin machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I recently filed a complaint ( XXXX ) Experian responded that they can not be removed. However that's not true I have attached the law pertaining to inquiries what they stated is not true.
Product: Checking or savings account

I was charged for two overdraft fees, over the course of a week, by Citibank. I understand the reasoning for the first overdraft fee, but the second was unfair, and their customer service department is not helpful. Their treatment of me as a customer lead to me closing my checking and savings accounts. 

My first overdraft fee charge was correct - I did have a negative fund and Citi " helped '' pay for my purchase. Ironically, that purchase was an autopayment for my citibank credit card. Then, XXXX tried to make a payment for {$2.00}. The payment was declined, but citi still charged me an overdraft fee for an attempted payment. I found this to be really unfair, and contacted the company multiple times. Their customer service would say they're transferring me somewhere, to only never be helped after waiting for 40+ minutes or hung up on ; literally hung up on ; or just plain unhelpful / non-empathetic employees. I did close my checking and savings, but they didn't care at all. For such a large company, they think they can get away with treating their customers poorly. I've been banking with them since I was XXXX and wanted to use them for mortgage, but they lost a customer for life. I'd never recommend my extended family to use Citi Even attempting to get copies of my record was difficult. The customer service team went above and beyond to ensure I had a bad experience. I could not obtain full copies, and they even went as far to purposely unlink my account before I could download the records myself.
Product: Checking or savings account

I was literally using my account to purchase breakfast in the morning and right when I got into work Chime closed my account. The night before I did file my taxes and put this account on my tax return for direct deposit. They're telling me that they don't have a specific reasoning for the closure just that a policy was violated. They then send me an article which was not specific at all to my situation. I had to change my work and IRS direct deposit and cant pay any bills until they send me my money. Ironically, it was also payday... they took almost {$300.00} that I already had in my account with an additional almost XXXX from my paycheck today. I contacted multiple people and they all couldn't tell me why this was happening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, has violated my rights by reporting late/no payments for the months XX/XX/2022, XX/XX/2022. The following account needs to be updated to payed in full. 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 hand written instructions.
Product: Credit card

This card includes travel & baggage protection. During a trip for which I used this covered card to purchase the ticket, a bag was so damages that it could not be used any longer. I timely submitted the claim. AMEX has wrongfully denied the claim because AMEX used bad faith to fail to honor advertised benefits and to discriminate against minorities. I have tried XXXX times to call/communicate/re-open the claim but AMEX continues to use XXXX faith.
Product: Credit card

I have been engaged in a dispute with Capital One concerning my Venture Card since XXXXXXXX XXXX XXXX. They have frozen the account and we have had no resolution. I have had a {$70.00} credit on the account for approximately 4 months. On XX/XX/XXXX, I received the bill for this account, and the credit is gone. When contacting the company the same day, I was told by XXXX XXXX employee XXXX XXXXXXXX ), that there is nothing that they can do unless I send the front and back of my driver 's license to verify who I am. As a XXXX XXXX concerned with internal fraud at Capital One, I am uncomfortable sending this information. 
Please note, I receive ongoing communication from Capital One about this account via email and USPS mail monthly. Capital One does not seem to be concerned that these communications are being received by someone other than the account holder. 

To suggest that I have to provide additional verification to resolve this issue, especially since the credit on my account is gone, feels ridiculous. Capital One has been unresponsive to my requests for help. No one at Capital One will look at the account and provide any assistance on this matter. Please help!
Product: Debt collection

Fair Collections & Outsourcing reports debt alleged to be mine. The company fails to provide a verification of debt letter as required upon request, nor furnished a signed contract and/or addendum related to any contracts I have signed. The company also fails to provide any contract which may have been assigned.
Product: Mortgage

The bank received an escrow refund of {$160000.00} on XX/XX/XXXX. Less than a week later I called and requested that this refund was sent to my address. Long story short, it's XX/XX/XXXX and I not only didn't receive that money yet but : 1. I've made multiple calls ( more than 20 ) and in every call I was told something different, from my address being wrong ( not true as their other letter are getting to me ) to " you never requested that escrow '' or " you should wait another 30 days to file the request again, that's how our system works '' ; 2. They were quick enough to register in my loan activity that the check was sent on XX/XX/XXXX, but they never registered in the activity that the check didn't get to me, that I asked for a cancellation of that one, that they issued another check ( in theory ), and that I requested to register that the money is still in the escrow account, and not with me. 
3. They keep me waiting on the line, sometimes for more than one hour. As I write this I'm calling them for the Nth time and I've been waiting on the line for exact 66 minutes.

4. They keep not registering other changes I request and saying my address is wrong even though I need to say it every time I call. 
5. I always ask to receive a copy of all the recorded calls and either they say they can't send it or that I need to file the request by email. When I file the request by email, though, nobody ever answers. Thus, I'm being denied my right to get access to those calls and prove that they are holding my money against my will.

I now have a 2nd refund of the XXXX taxes that I am supposed to get and I have no idea how and when I will received. I have NO TRUST in this organization and in their service and I want to receive my money with monetary correction, as they would do if I didn't pay them in the right time. 

PS : after 69 minutes I decided to hang up and call again, as the person just said she was going to check something and get back to me in a few seconds. She was a supervisor and the quality of her sound was so bad that I couldn't hear her. That's the quality of the service we're delivered.
Product: Mortgage

I received a grant from Hawaii XXXX XXXX, and it was to help me to pay my delinquent amount and reduce my interest rate. If they weren't able to do that, the money would've paid up to XX/XX/2023. The company has used the money for various fee 's that I feel is not what I actually owe, so it has resulted in a lot of my grant money going to those fee 's and not my mortgage payment. When I called the mortgage company in XX/XX/2023, I was told that I need proof that there was communication between Hawaii XXXX XXXX and Shellpoint in regard to the agreement that Shellpoint will reduce my monthly payment and/or pay my mortgage until XX/XX/2023. I called Hawaii XXXX XXXX, and I was told that they are not allowed to give me the email communication between them, and the banks and they are not able to advocate for me to get the situation resolved with Shellpoint.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX portfolio services calls me repeatedly after I've asked them to stop. They call from various spoof numbers and call at all hours, including night hours. They either hang up or refuse to say who they are ( I only know because I call the number back sometimes. 

They have also called family members and I think they are the ones threatening to arrest me at work. 

Come get me I dare you.
Product: Debt collection

Hi my name is XXXX XXXX my last 4 numbers of my social are XXXX, I am writing to formally dispute fraudulent accounts with Wells Fargo, XXXX and XXXX XXXX and inquiries that have appeared on my credit report due to a data breach that compromised my personal information. I did not authorize these accounts, and I demand their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ] and Consumer Financial Protection Bureau
Product: Vehicle loan or lease

I was behind in my car payment in the amount of {$830.00}. I was granted an extension to move 2 payments total amount of {$480.00} to the back of the loan. I was advised to pay {$230.00}. When they put the 2 payments to the back of the loan it took care of XXXX payment and I paid XXXX partial payment of {$340.00} per the extension agreement to bring the account to a {$0.00} balance. It was not in WRITING that I would have to pay a regular car payment again in the for XXXX payment of {$480.00} when I paid {$340.00} in XXXX. Its my understanding when you make a payment that should get you current so the next payment would be in XXXX. This is a violation of UDAPP. 
I would like an explanation as to why would I have to pay a total of {$810.00} if granted an extension for a total of {$480.00} which is two bi/weekly payments of {$230.00}. Why didnt the extension agreement indicate any of this. The extension agreement just stated I was granted an extension never outlining when the next payment was due or the amount.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a certified letter to Equifax Information Services, LLC asking them to correct inaccurate information on my credit report. The letter was accompanied by extensive and conclusive evidence that the debt in dispute was previously settled with the creditor. My letter and evidence was signed for and received by Equifax on XX/XX/2023. On XX/XX/2023, I received a letter from Equifax that their investigation was " complete ''. However, the inaccurate information was never corrected or removed from my Equifax report. 

According to the FCRA, " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. '' I have attached my original dispute letter with accompanying extensive and conclusive evidence, confirmation that my dispute letter was received by Equifax Information Services, LLC, and a copy of their response for your review.

After you review this information, please make sure Equifax Information Services, LLC adheres to the FCRA and corrects or removes the inaccurate information from my credit report. If they fail to do so, please inform them of my intent to sue in Federal Court to have the erroneous information reviewed. 

Thank you.