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

After reviewing my ChexSystems report there are several inquiries to my report that I do not recognize. Please delete these fraudulent inquiries from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My name is XXXX XXXX and I've been dealing with an issue with no result since XX/XX/XXXX ( when my loan was transferred from XXXX to TMS - the money source. ) My loan XXXX at TMS is : XXXX and property XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ks XXXX XXXX Pin # XXXX XXXX already paid the taxes and TMS proceeded to disburse the funds from my escrow account for taxes in the amount of {$3100.00} however it was never received by XXXX XXXX XXXX department and i have verified this with them every week since XXXX. I have requested The Money Source to close my escrow account so i have 25 % equity and i no longer wish to have someone manage paying property taxes or insurance. A case has been opened at The money source in XXXX and i was told it was closed out XX/XX/XXXX. Yet, this is not resolved so im not sure why someone would close out this case. This has been a nightmare to deal with and everytime i call and speak to someone they tell me they will call and talk to the county to find the check. I also filed a complaint with XXXX and they did send me an image of that check ( ATTACHED ) which the county said that was the one deposited. The money source has failed to do this or their due dilligence.

Everytime i contact them they just send me a standard verbiage. This has been 3 months. One time i called the money source and the property tax department told me the check says its sent out but wasnt so they might use it for XX/XX/XXXX taxes. That is unacceptable. its not showing up in the escrow account. Everything about this is unacceptable and i expect the funds returned to me and my escrow account closed. I will pay XX/XX/XXXX taxes and all taxes and insurance going forward. I expect a refund check of {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXinaccurate information reporting on all three bureaus and claims information was verified. 

XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX/medical collection account/ reporting erroneous information and violating hippa laws. 

XXXX/inaccurate information reporting across all bureaus and claims information was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX
Product: Checking or savings account

Since the beginning of this year, Regions bank has deducted {$5700.00} in fees from my accounts which I feel have been excessive. I fell on some hard times financially and I admit that my accounts got overdrawn. However, over {$5000.00} in fees has caused me to keep being overdrawn thereby causing additional fees. It is a viscous cycle that I have no way to rectify. I am on a XXXX  income from Social Security and can't put enough money in my accounts to overcome the {$5000.00} + in fees. 

I have called customer service, written a letter to the bank, complained on their messaging system and they have given me token refunds ( {$400.00} ) which does not address the real problem. If I continue to get fees, I will continue to be overdrawn. If I had the $ 5000+ in  fees back in my account, I would obviously not be overdrawn. I feel Regions is being unfair to me and is not willing to address the real problem.
Product: Checking or savings account

On XX/XX/19, I noticed I had unauthorized activity on my account at Citibank. On the morning of XX/XX/19, I contacted Citibank to start the fraud investigation. During that time, I was asked a series of questions. One of them was : did this charge originate in XXXX or somewhere else.

This is a fraudulent charge I know nothing about, how would I now that answer?

The agent said it's showing in XXXX, so just say yes.

I asked the agent if he knew the answer then why am I being told to answer the question myself with his provided answer. I expressed my concern that this could lead to obstruction of justice if it became a criminal investigation. The agent refused to start the investigation unless I answered.

I asked for a supervisor who then repeated the same thing, and then hung up on.

I then went to a local branch and spoke to a branch manager who said he couldn't do anything and implied I was misunderstanding the agent. So I suggested we go into his office and call on speakerphone.

We did, the agent on the phone said the exact same thing as the other 2 agents and then hung up on us again. The branch manager shrugged his shoulders and said to come back in a day or two. All the while, I'm unable to get my stolen money back, withdraw any of my money, or even close my account to prevent any other fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance XXXX {$2100.00} Equifax : XXXX XXXX XXXX Balance : {$560.00} XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$2100.00}
Product: Debt collection

This account was paid off on XX/XX/2020. Per agreement and state laws, Caine & Weiner was suppose to update all credit bureaus of this account update. Caine & Weiner took my money and agreement then sent me a receipt for payment and stating that all collection activity will terminate immediately. I've repeatedly call this company and have begged them to update this account and they refused. Two representatives from this company hung up the phone in my face and I managed to ask the other rep her name at the beginning of the call due to the unprofessional tactics used previously.I spoke with XXXX and received a receipt from XXXX XXXX and a very unprofessional representative that was laughing in the phone at this matter. I spoke to that rep on XX/XX/2020 and her name was XXXX XXXX. 

This company is still illegally reporting this debt that was paid to all three credit bureaus. This company took my money and refuse to update tradeline. My next step is to follow up with my attorney and file sue for illegal debt collection practice, fraud and more. This company has caused further damage to my credit and it has been well over 30 days. This is the last and final request for Caine & Weiner to  remove/delete this tradeline immediately or I will begin suit.
Product: Mortgage

Back on XX/XX/XXXX i sent an application to the lender to keep my property, On XX/XX/XXXX i was approved for a Repayment Plan with a payment with the double amount of my previous monthly payment and i requested to extend the time for my repayment plan to XXXX  months and they denied, i am XXXX XXXX XXXX and my wife XXXX XXXX XXXX, we are retire and we make a big effort to pay our home and subsist, eventhough they did not want to extend the time of the repayment so the monthly payment could be less i accepted the terms and started to work more time no matter my age, XXXX weeks after my wife XXXX with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; we went at the XXXX  and she got XXXX XXXX, i had to stop working as we do not have children nor family i had to take care of her and started living with our savings so i was not able to make the first payment for the Repayment Plan i was approved for, so i submitted a Dispute on XXXX requesting to be reconsiderated for the repayment plan and on XX/XX/XXXX the Rep called XXXX told me i needed to pay in a one time payment {$25000.00} to see if they can considerate to give me the repayment plan again ; i was not able to make that amount of payment, i am XXXX XXXX XXXX, my XXXX  XXXX and we do not have family, i only have to her, i have XXXX jobs to be able to provide a home to my lovely XXXX, so i sent again a Modification Application to see if they can consider me for another option, they approved my Repayment Plan to continue, i had to make my payments on the XXXX of each month, i sent my payment on XXXX and they did not accept my payment cause it was XXXX  days later, i did not know there was not grace period, is under the same month, i requested to be considerated to continue with my repayment plan and they are just giving me the option to sale my home. That is not an option, i am retired and elder person, i do not have family, nor another property, if they sell my home, i will need to be homeless as i do not have money to pay another home, i have XXXX jobs to pay my property, and my wife is sick as a consequence for the XXXX XXXX, please help me to keep my home, i will contact the news or send letters to the XXXX XXXX  to make this lender give me a real solution. There is not way they quit my home as this is where my wife and i live, please help me!!! They do not give me another option besides to send checks, there should be automatic payments or payment over the phone, things can happen, it would be illegal for them to quit my home for sending my payment only 5 days after the day, i will have to request help on the TVs or XXXX XXXX  to keep my property.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Key Bank, XXXX to dispute the overdrawn balance on my account. A charge of {$79.00} from XXXX was charged to my account on XX/XX/XXXX. In addition, XXXX overdraft fees were applied to my account. Fact : I have made XXXX deposits since opening the account on XX/XX/XXXX {$10.00}, XX/XX/XXXX {$20.00}, XX/XX/XXXX {$87.00}, and XX/XX/XXXX {$20.00} ). The largest charge to the account was {$52.00} for a gift card. My complaint stems from the fact on XX/XX/XXXX, when the account went into the negative Key Bank continued to authorize charges. Instead of declining them when the checking account did not have sufficient funds, Key Bank approved the charges while assessing reoccurring overdraft fees. There was no account alert provided for the fraud charge. Currently, Key Bank is charging {$120.00} to substantiate the account from its negative status. I am disputing the amount due to the fact that Key Bank had no grounds to authorize and continue to pay out of an account that had insufficient funds. On XX/XX/XXXX a XXXX XXXX charge of {$2.00} was approved and on XX/XX/XXXX another charge of {$2.00} was approved in addition to the {$79.00} causing the accounts dilemma. The account went into the negative on XX/XX/XXXX and Key Bank continued to approve the XXXX XXXX charges totaling {$4.00}. Subsequently, adding overdraft and recurring overdraft fees to the account. On XX/XX/XXXX I deposited {$20.00} to cover the XXXX XXXX charges. There were no monies in the account to cover the fraudulent charge of {$79.00} which was posted on XX/XX/XXXX. I initially opened the joint account just in case my sister wanted to deposit her Social Security checks and required my assistance to monitor her spending. I have managed to keep the account active by putting in little funds and providing some activity. However, I feel the fault remains with Key Bank and their willingness to cause financial harm off the backs of the struggling consumer during these unprecedented times. I am seeking to have the {$120.00} waived by the institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am referencing report # XXXX.from Experian I have over the last 5 months sent in a request for verification of information on my credit file. I have included a copy of my social security card number, Drivers license and Account statement from XXXX XXXX XXXX XXXX. 
I first asked for verification of my address ; they report 5 different addresses with 2 addresses in the state of XXXX which I have never resided. They also report 2 address where I currently live stating that I have lived in 2 different apartments when the correct one is unit XXXX. Both of these items are easily verifiable. I actually contacted the apartment management about the incorrect reporting and was told if they actually verified the information it would be reported correctly. They also claim that the address XXXX XXXX XXXX XXXX is tied to accounts I have with creditors that are being reported on my credit file which once again is incorrect since I actually verified their information to confirm they report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX which is my correct address. 
Experian is also reporting 3 variations of my name. Once again I provide copies of my social security card which states " XXXX XXXX XXXX also my drivers license states ' XXXX XXXX XXXX ' with my account with XXXX XXXX  XXXX XXXX stating the same name. 
I provided the documents they required after they stated they required such documents which I sent initially with each verification request that I have mailed to Experian. 
Lastly I asked for verification of a bankruptcy being reported on my credit file. I was told that the information was provided by XXXX XXXX which I contacted to be told that my credit file has been frozen since 2013 which is before the date the bankruptcy they are reporting was filed according to my credit file. 
Experian has investigated the XXXX account changing lates from 4 then after verification to 2 lates and once I requested they added 2 more lates to my credit file.
Product: Vehicle loan or lease

Hello XXXX XXXX XXXX I called into chase auto finance on the end of XXXX and asked to get a Deferral or extension on my current payment. Because I havent been late with chase in last XXXX years or have never asked for any type of extension I felt that it would be no problem. The lady I spoke with said that she would need to get approval from a higher up if I needed more than XXXX weeks but if it was XXXX weeks or less she could approve it herself. I didnt need more than XXXX weeks so I accepted and it was granted. I ended up paying it before the XXXX weeks that were granted. I noticed it still hit my credit as late and when I called in to asked the day the lady didnt give me the extension that doesnt hit my credit she only gave me a payment arrangement that has no benefits. If I wouldve known it had no benefits I wouldve paid it without calling. I felt this was very wrong with me being a long-term customer with them and having no lates in the last XXXX years and also being eligible for whatever extension that I was asking to be granted. 

I feel like I was very mishandled and mislead and that they shouldve straighten it out.
Product: Credit reporting or other personal consumer reports

The following financial institution known as XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Phone XXXX XXXX XXXX XXXX This is an unauthorized inquiry I did not give permission or provide a signature for this inquiry in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that i have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 it also states a consumer reporting agency or financial institution can not furnish an account without my written instructions.

I demand this unlawful inquiry be removed from my consumer report in accordance with the laws i have stated in this dispute and request a confirmation of compliance as well as a updated copy of my consumer report from all three credit bureaus, Equifax, XXXX, and XXXX.
Product: Money transfer, virtual currency, or money service

XXXX as well as Coinbase have altered the XXXX XXXX XXXX XXXX as of XX/XX/2021. Current supply shows between XXXX XXXX while before this glitch occurred during a huge increase in price the circulating supply was stated as XXXX XXXX. Those of us who invested at the XXXX XXXX circulating supply point either over paid for coin or the error needs corrected along with loss of value due to an error that has been now going on for 3 days. This is clear market manipulation and also needs investigated by the SEC as well. This is beyond believable that a company owned by hedge funds are actually allowed to rob people of a growing free market with manipulation like this. So to fix this issue either the supply value needs corrected or those of us who entered into a transaction with these companies need what we are owed due to false information. If this happened on the stock market this company would have fixed this instantly and these two exchanges need fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has denied me services that are supposed to be provided with my Membership. 
They have removed an open account from my credit report stating it was removed by the Fraud Dept because it was a Fraudulent account. However, I was never notified of this action and I am being denied access to the Fraud Dept to resolve the issue. " Experian Credit Monitoring and Alerts as well as a Dedicated Fraud Resolution Specialist '' are services that I pay for and have been denied. The company with whom I have the open account ( XXXX XXXX  ) has continued to report the account as open and in good standing to Experian monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX XXXX XXXX pulled my credit report due to a system glitch and mistakenly recorded my credit score as XXXX instead of my actual score of XXXX. As a result, they reduced my credit limit by over {$7000.00}. This action significantly impacted my credit utilization ratio and caused my credit score to drop by XXXX points. I petitioned XXXXXXXX XXXX to correct this issue, but they informed me that they could not reverse the decision or update my account. 

In XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account was closed after XXXX ended its partnership with XXXX. This closure resulted in the loss of another {$8000.00} in available credit. XXXX did not provide a clear online payment method, and I received calls from what seemed like foreign representatives, which raised concerns about legitimacy. I requested a mailed statement to set up a payment plan, they never sent me anything. I contacted XXXX and they assured me it would NOT be marked as late, the XXXX after making my first payment, XXXX marked the account as delinquent. This delinquency lowered my credit score by another XXXXXXXX XXXX  ( It was XXXX before I was able to find a trustworthy method of payment. Even still, their records of my account number did NOT match up with the cards I had! ) On XX/XX/XXXX, my Priceline credit card, which I have held in good standing for over nine years, reduced my credit limit by {$9000.00}. This change occurred without any warning or valid explanation, further damaging my credit score. When I contacted Priceline, they were unable to reinstate the credit limit, leaving me at risk of losing another XXXX points on my credit score.

These combined actions have caused a severe domino effect on my financial stability and creditworthiness, with my score dropping from XXXX to an estimated XXXX in less than a year. This situation is largely due to errors, poor communication, and mishandling by these companies, despite my history of responsible credit use. 

I am seeking assistance to resolve these issues, restore my accounts and credit limits, and correct the inaccuracies on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  I filed an complaint about   XXXX   XXXX   about information on my credit report that is not mine. The company responded and claimed they called me numerous times and sent o ut 11 letters  attempting to collect a debt. I never received any type of information from the company and they claimed to have sent a letter with the information and documents from the original creditor. They provided a tracking number. I checked the tracking on  XXXX  thinking I should have received some type of information in the mail after 10 days. Turns out the tracking number provided stated the letter was undeliverable. I filed disputes with the credit bureaus on fraudulent addresses that were listed on my credit report and the credit bureaus deleted the  XXXX  false addresses that I never lived at. I 'm not sure what address and phone number   XXXX   XXXX   has on file of the alleged collection but none of the information is valid. I went ahead with the advice from the last complaint and filed an Id theft with the FTC.