23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX & XXXX I had XXXX unauthorized charges to my checking acct from : XXXX XXXX XXXX XXXX XXXX XXXX Then XXXX XXXX for {$330.00} appeared. I called my bank immediately and they cancelled my debit card. 

On XX/XX/XXXX & XX/XX/XXXX I noticed more charges on my checking acct from XXXX XXXX XXXX XXXX  XXXX for {$330.00} each I called my bank ( XXXX XXXX XXXX  again and they cancelled my new debit card again. I tried to call the XXXX phone number but do not get a real person. 

I never authorized these charges and need them to stop.
Product: Mortgage

My wife and I are hurricane Florence evacuees. Our only residence sustained significant damage from Florence, over {$350000.00} in damages. We are currently renting a house until repairs can be completed. These are stressful times. All our damage is wind related and our wind policy is with XXXX XXXX XXXX XXXX XXXX but is handled by our homeowners insurance, XXXX. At this time, the insurance companies are not our main problem. Our problem is with our Bank/Mortgage Company, SunTrust, not releasing the insurance checks to us the homeowners so we can pay our contractors in a timely manner. The insurance checks have to be co-signed and released by SunTrust. When SunTrust Bank receives the check from the insurance company that is endorsed by homeowners, SunTrust places the check in escrow until certain criteria is met. This is where the problem exist. My wife and I provided all the required documents to SunTrust from XX/XX/XXXX to XX/XX/XXXX. SunTrust received an endorsed check for {$28000.00} on XX/XX/XXXX. Beginning XX/XX/XXXX, I began calling SunTrust and asking for updates. This is a list of events that occurred over the next 11 days that prevented SunTrust from releasing checks : 1. The disaster date on the claim was different from SunTrust date. SunTrust had the incorrect date and as of XX/XX/XXXX, has not been corrected. 
2. SunTrust Rep was working off a dated adjuster worksheet. I  immediately emailed the updated worksheet that clearly matched the check amount. 
3. SunTrust rep was working off a dated adjuster worksheet again. I resent the updated worksheet again that cleared the discrepancy. 
4. I managed a 3 way phone call between XXXX Rep, SunTrust Rep, and myself to eliminate any other concerns. At the end of the conversation, It as my belief that the check would be released in a day or two. Did not  happen. 
5. Called on XX/XX/XXXX and talked to XXXX, SunTrust Rep. XXXX was very professional and we went through information item by item. XXXX stated that SunTrust did not have one contractor 's estimate signed by all parties, Contractor, my wife, and myself. This document was uploaded via SunTrust website on XX/XX/XXXX. I sent this document again on the evening of XX/XX/XXXX. XXXX also said that the date issue had not been corrected, but while we were talking, XXXX corrected the date issue, I hope. 

Policy Claim Number : XXXX SunTrust Tracking Number : XXXX Regards, XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

A communication was received by XXXX XXXX XXXX XXXX that is not mine and I do not own this debt. I would like to get the issue resolved before the items is placed on my credit report and damages my credit worthiness. Amount is for XXXX, I have no idea where this debt came from, as I have fraud protection on my accounts which would/ should require the creditor to contact me ( this was never done ). The other amount is for XXXX
Product: Mortgage

In XXXX XXXX Bank of America decided to " Charge off '' my home mortgage. 
My property taxes were in escrow with my mortgage. 
BOA NEVER informed me that they had " charged off '' my mortgage, I received a property tax bill from the XXXX XXXX XXXX XXXX NJ in late XXXX for XXXX. I did n't understand why I was getting a tax bill being that my taxes were in escrow. I contacted my go to person at BOA and was not able to connect with her. I continued the search for someone to explain to me why my taxes were not paid. Finally I got someone who told me about the " charge off '' and that no more help will be coming from BOA. I did file a complaint with CFPB about the mortgage issue. Now I am filing a complaint because I do not have XXXX and the XXXX XXXX XXXX does not take payments you have to pay the full amount and I have been notified that my house will be sold in a tax sale in XXXX. Being that BOA caused this debt by never notifying me that they were no longer paying my taxes they should be held liable for this debt. XXXX again BOA put their customers in untenable positions financially. I am really going to loose my house for XXXX BOA? 
You are a disgrace!
Product: Mortgage

Trying to use a " XXXX XXXX '' online calculator, I inadvertently submitted a request for mortgage brokers to contact me. QUICKEN LOANS immediately contacted me by phone. I told them it was premature because I needed to fix some things on my credit report, including waiting a few more weeks for some hard inquiries to go away after two years. I explained I did NOT want them to do a hard inquiry because it was premature. I explained the situation, because I was willing to work with them when the time was right. After my explanation, I asked " what are the next steps? '' The male person on the call ( there were two, one was female ) said the next step would be to pull a credit report, and I said OK, acknowledging that such would be the next step. I expected him to continue by giving me contact information that I could use when I was ready to run the report. Instead, he ran a hard report in direct contradiction to my express instructions. That hard inquiry is now on my report for two years, and has already negatively affected my credit. I told them to contact the credit bureaus and explain that it was their mistake but they refused. I am extremely angry because I have been working on my credit. I need to refinance and this will negatively affect me.
Product: Debt collection

Medical Data Systems has a debt on my credit report and it 's showing paid, but this debt is not mine. I have tired to call them and explain the issue, but they stated their is nothing that can be done because it 's paid. I tired to validate the debt twice, to get proof that the debt is not mine. I want to send the paperwork to the credit reporting agencies, to see if they can help me. Medical Data Systems refuses to send any paperwork regarding the validation of the debt. Please help!!! even though this debt is showing paid, it is lower my credit scores.
Product: Credit card

Made phone calls and discussed about the late fees and told me that if I make payment they will refund me the late fee.But they didn't. So I called again asked what happened and they told me it is denied for refund the fees. 
They give me wrong information for just wanted me make payment right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to contact Transunion for 2 weeks about 3 fraudulent inquiries on my credit report. I have contacted the creditors and have advise them to block the applications attached to the inquiries. I have also requested a fraud alert on my credit report. However, even after submitting my FTC report to transunion, I was advised that the information is not enough to remove the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX
Product: Debt collection

This letter is an explanation of the collection item list under XXXX XXXX XXXX, XXXX. I signed a rental lease for my son under the pretense that I would ONLY guarantee his portion of the rent. I stated this in writing on the lease, I spoke with the property manager about this on multiple occasions and it is stated that each person had to provide a guarantor. On the final conversation with the property manager, he assured me that all three of the individuals residing there would need their on guarantor. Nothing further was provided to me outside of a copy of my sons form and my form.

My son and his roommates did not pay for approximately the last two months. The other roommates abandoned him there refusing to pay rent or utilities. Once he could no longer keep the electricity on, he too was forced to leave the rental. He was homeless for a period of time without our knowledge of what in fact took place. 
Approximately within a years time, I attempted to contact the management company to resolve my sons portion of the rent. I was told that the account had been transferred to a collection agency. I contacted them and discussed the matter and made an attempt to resolve my sons portion of the rent which is approximately {$600.00}. Adamantly they refused to settle or accept my offer. 
Over the course of the past 3 years, I have made several attempts to resolve this matter but the collections agency states that I am solely responsible regardless of what is stated and the verbal arrangements I made. I have offered to pay {$600.00} on multiple occasions to no avail. They have even stated that I need to provide contact information for the other gentlemen. I do not know these individuals and have no means of locating them outside of what was provided on their lease ( that was given to me by the collection agency ).
Product: Mortgage

Before loan closing we were told we would get a refund check of {$5600.00} for the balance of overpaid taxes we had made in escrow on original loan. The closing doc did not indicate our refund because I was told when I verbally questioned it with underwriting dept rep that the taxes had not been paid yet so it had to show due on the closing statement and we would get the refund at closing for the difference. I also indicated in email communication with closing dept rep that I did not understand why we were being charged twice and she told me we were not and this was correct closing information ( but it wasn't in the end ). We never received the refund we were promised. Instead U.S. Bank paid the taxes twice with the money. The overpayment was returned to US Bank on XX/XX/XXXX by our local county tax department. I was then told by U.S. Bank on XX/XX/XXXX that they had received the refund back and it was sitting in the account to be dispersed to us and that we should have a refund check within 5 - 7 business days. We did not receive it so I called back on XX/XX/XXXX and was told the same thing again. Still did not receive the refund check within 5 - 7 days as promised. I called back a third time on XX/XX/XXXX and was told it would take another 45 days to process which was a different story from the previous two rep conversations. We do not believe it is moral or fair for US Bank to hold our money for so long when we should have receive the refund back in XX/XX/XXXX at closing or shortly thereafter as promised. In the meantime, we are being charged interest on this money as it was financed as a part of our second loan. Also, we are being charged additional funds in our escrow account for the taxes for the new year. So in summary, we are paying 3 times for these taxes plus being charged interest in the new refinance loan on our own money we paid into escrow in original loan in XXXX. In other words, first, we paid one year of tax money in original loan escrow in XXXX and taxes were paid to county in XX/XX/XXXX. Second, the money was withheld again in our refinance loan closing in XX/XX/XXXX and we are being charged interest on the money they owe back to us! Third, US Bank is collecting additional tax money in Escrow monthly on current loan. We can not seem to resolve this with them. We keep getting the run-around and are promised resolution but it never happens. What are our rights for our money being withheld for so long and not refunded to us plus we are being charged interest on it?
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/2022 - I sent my complaint letter to COINBASE, in which I clearly stated how this scam has affected me personally, psychologically, and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, COINBASE never acknowledges my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter.
Product: Debt collection

Midland Funding has duplicated the account on both my XXXX & XXXX Reports after I challenged them to verify and authenticate the account and refused to investigate my signing any documents or contract legally with my signature with Midland Funding. Midland Funding never investigated the account and refused to look at what they reported to XXXX & XXXX but instead retaliated by duplicating the account on my 2 reports which tanked my credit score. This tactic has hurt my scores. The account lists for {$630.00} for Midland Funding ( XXXX XXXX XXXX ).
Product: Credit card

Billed due date XX/XX/XXXX  I spoke with a representative. He waived the late fees, and I paid the bill in full. There after every month I was being charged XXXX fees and later applied a late fee. I called the customer service and asked why they are charging a late fee with a XXXX balance. The representative stated they can. The bank is also providing derogatory and inaccurate information on my credit report. I am sending few bills to show the fees that are being charged to my credit card.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear CELTIC BANK/CONTFINCO, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent.

It has come to my attention that CELTIC BANK/CONTFINCO has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law. 

I assert that I have not provided any consent to CELTIC BANK/CONTFINCO to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law. 

I demand that CELTIC BANK/CONTFINCO immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting CELTIC BANK/CONTFINCO to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California. 

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected. 

Done in good faith.
Product: Credit card or prepaid card

When at XXXX, I got offered a credit card that would give me 25 % off a large purchase. I took it. Comenity was the bank offering the card. 

For the first payment, it took me FOREVER to find a phone # to make the payment as I never got a bill/statement. I finally found a phone # on the web, and make a full payment of my entire balance, on time on XX/XX/XXXX. I paid via my bank account with XXXX. 

I called Comenity on XX/XX/XXXX and XX/XX/XXXX as they never took out money from XXXX account. Comentiy told me their IT systems were being repaired, but my account was paid in full, I owed {$0.00}. 

In XXXX, I received a paper bill at my house. Comenity claimed to have a returned check from my XXXX bank on XX/XX/XXXX. Due to the " returned check '' ( which never was ), they charged me late fees and interest fees, and returned check fee. 

XXXX, my bank, has no record of a returned check, and I have enough money to pay the full bill. Comenity never tried to take out the money. I went to XXXX so I had tried evidence to submit to Comenity. I got a report from XXXX showing I had to returned check fees. When I tried to submit the report to Comenity per their advice, the and Comenity website kept saying " issue - cant accept attachments '', and the messages I wrote on the Comenity " secured message center '' kept disappearing due to " system issues '' at Comenity.

Comenity is a Fraudulent company. All these young people who shop at XXXX, many of who are minorities, are getting charged for things that are not accurate. 

The Feds need to investigate!
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$12000.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

Submitting this complaint again to follow up on my previous request for the removal of unauthorized inquiries that appeared in my credit reports in the complaint dated XXXX. I requested the complete removal of the said inquiries. As a reference, I am attaching my FTC report # XXXX. Again, here are the inquiries I want you to expunge per bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX via XXXX XXXX ( third-party service provider for XXXX XXXX XXXX XXXX XXXX ), and Phoenix Financial Svcs ( debt collector ). 
There is a current mark on my credit report pertaining to an ER visit at XXXX XXXX XXXX on XX/XX/2020. This debt was sent to collections ( Pheonix Financial Svcs ) by XXXX XXXX XXXX XXXX via XXXX XXXX. 
The amount requested by the debt collector is : {$1000.00}. I did receive one statement from them during the month of XX/XX/2020, however, this statement appeared to be fraudulent due to the fact that it should have been processed through my health insurance provider. I was in contact with the hospital through the settlement of my bill, and I was notified that everything would be processed directly via XXXX XXXX XXXX. Since I had ignored the statement believing it was invalid and fraudulent, this bill was not paid and was sent to collections ; seemingly unpaid for by XXXX XXXX XXXX as well. I am now unable to get into contact with XXXX XXXX XXXX XXXX and Pheonix Financial Svcs - I have tried filing disputes through credit reporting agencies, requesting validation of the debt to be collected through the Pheonix Financial Svcs website contact form, calling numerous times over days, and I also have tried calling in and sending in message forms through the XXXX  website contact page. 

I've had one reply from XXXX, in which they responded to me with a request to contact them by phone. My disputes filed through the credit reporting agencies did not make any difference either, as the debt collector was alerting credit reporting agencies ( XXXX, XXXX ) that the collection is valid and still outstanding.
Product: Credit reporting or other personal consumer reports

Please refer to the attachments pertaining to the Equifax Data Breach. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and the following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these item ( s ) resulting from the identity theft that should be blocked.

Please removed and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Product: Debt collection

XX/XX/XXXX Complaint ID XXXX In my complaint filled with CFPB and also with the XXXX XXXX XXXX 
MCM, inc.response NEED MORE TIME. 
MCM XXXX XXXX only provided XXXX verifications XXXX on XX/XX/XXXX and i received on XXXXAgain a verification doesn't provide any proof of any kind. 
They had XXXX plus year enough time to provide any proof and again none provided. 
Knowing that multiple lawsuits filled by CFPB & Attorney Generals from all States over the years against zombie debt buyers XXXX XXXX, MCM .Inc. and millons and millions was payed in fines for massive FDCPA violations. And again that MCM, XXXX is violating the laws by trying to collecton unresolved dispuded debts and ignore all my request for complete validations sent by certified mail. 
I consider this debt invalite and a complete fraud. 
I Demand a immediate respond to mine complaints filled to both the CFPB and XXXX and again they had more than enough time to provide any proof. 
If they dont respond within XXXX business days another complaint will follow with the XXXX Attorney Generals office and i will consult with my legal counsil for suit.
Product: Credit reporting or other personal consumer reports

I didnt authorize these credit bureaus to run my credit report, and under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these inquiries. The FCRA is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. It gives consumers the right to know what information is being reported about them and to dispute any errors or unauthorized activity. Therefore, I am exercising my rights to address these unauthorized credit inquiries. 

I will attach my FTC report with all Im trying to dispute
Product: Checking or savings account

Im not able to open a bank account anywhere. I am not aware of why I am not allowed and what happened!