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

I called my bank on XX/XX/2022 same day the scam too place advised them that I was unknowingly scammed. XXXX phone number was spoofed. Call came in showing XXXX. I was told my lights would be cut of in 45 minutes because my previous payment was rejected. I was told to send the money through XXXX so it could be credited right away. First amount was XXXX. They advised me that the payment did not go through because the late fee was not added. I was told to send XXXX and the XXXX would go back to my account. I did as I was told because I was frantic distracted and was planning to call XXXX to go over my bill. So the call came in at a perfect time caught me off guard. The bank has refused to help they did not refund any of the money that was lost. The transaction was initiated by the scammer under false pretenses. We should have protection from our bank in cases like this we have no protection. At least credit the first instance as a courtesy. But to give nothing back just like that my rent money was gone.
Product: Credit reporting or other personal consumer reports

Equifax is illegally posting information on my credit report according to 15 USC 1692 c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication reporting to my consumer report is a form of communication. 

The refuse to do anything accept send out stall letters. They are breaking the law. 

XXXX CREDIT COLLECTIONS- {$120.00} XXXX XXXX XXXX XXXX- {$520.00} XXXX. XXXX XXXX- {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day or happy Saturday! How are you doing? I was shocked today when I reviewed my credit report again and found questionable information still on my fed student loan accounts from DEPTEDXXXX. All 4 of them! I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported that you investigated as accurate if it's still reporting questionable balance, inconsistent account number, name, dates of open, etc? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Product: Debt collection

I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as Portfolio Recovery. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.
Product: Debt collection

I get a letter from aargon collection agency about a final bill of XXXX, I call aargon collection agency and he told me on year XXXX, I owe XXXX  XXXX XXXX XXXX XXXX dollars, but the problem is I never open a XXXX  account in XXXX  XXXX because I live in XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I am attaching copies of the FTC Report that I submitted to the credit bureau.
Product: Credit reporting

I have been requesting verification of the following account that Equifax continues to report on my credit file : XXXX/Bankruptcy # XXXX, and # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/2017. 
On Thursday, XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/2017. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with another agent and she also advised me that my security freeze was confirmed and set into place as of XX/XX/2017. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/2017. 
I demand that this public record XXXX/Bankruptcy # XXXX and # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax '' s so-called " verification '' on XX/XX/2017 WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : XXXX # XXXX and Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. PLEASE HELP!
Product: Credit card or prepaid card

On XX/XX/XXXX my endinh statement balance was {$13000.00}. On XX/XX/XXXX I deposited a {$50.00} check through their system. It cleared XX/XX/XXXX and only deposited {$5.00} into my account instead of {$50.00}. I am short {$45.00} in my balance. I have attempted to resolve this with the merchant on more than one occasion. I am also still missing {$45.00} from an error they made last year! So they have now stolen {$90.00} total from me. Simple math would have resolved this error durin my 1st phone call, however I am told representatives can not see my statement balances.
Product: Vehicle loan or lease

Dear Yamaha Financial ...

I am writing once again, very disturbed by the inability to speak with an operator at Yamaha Financial. Overall in the past few days, I have called your company over XXXX times, waiting on hold for periods of XXXX minutes, XXXX, minutes, XXXX XXXX minutes, and on and on. 

After first receiving a letter, dated XX/XX/2020, stating that my loan was being taken over by Yamaha Financial as of XX/XX/2020, I was under the understanding that my payment to XXXX XXXX, which was due by XX/XX/2020, had to be paid and then going forward beginning for the XX/XX/2020 payment, pay to Yamaha Financial. 

Now, after 4 days after receiving the first letter, I am being informed that my payment is Past Due and this has really got me upset. 

Please see the attached documents supporting all of my statements and advise of my go-forward plan. 

Respectfully, XXXX XXXX XXXX ( c ) XXXX XXXX
Product: Checking or savings account

Wells Fargo took overdraft fees between XXXX and XXXX when I was supposed to be signed up for overdraft protection. They also didn't close my account in XXXX, and notified me it was still open when I tried to create a new one in XXXX.
Product: Credit card or prepaid card

In XXXX of 2023 I noticed some transactions of XXXX XXXX and XXXX were charged to my credit card. I contacted Synchorny Bank about these charges and they said that they would help me with these charges. Yet to this day, they have not helped me at all. On XX/XX/2023 they contacted me about a missing payment of {$40.00}. I made this payment on XX/XX/2023.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I paid my loan off for opportunity financial opp loans for credit deletion. I explained in great detail I was needing this information updated to my credit file because i getting ready to close on a home. I was told the information would be updated on the XX/XX/XXXX electronically. I have spoken with the credit reporting agencies and it shows XX/XX/XXXX last update. I called and emailed opp loans back and the are refusing to update my account with the deletion.
Product: Checking or savings account

On XX/XX/year> I filed a dispute for product not received because the auto shop didnt do the correct work. No provisional credit was given and SoFi originally responded on XXXX/XXXX/XXXX  and said they would have a resolution at the latest XX/XX/year>. They responded to a complaint with the XXXX with a letter detailing a date of XX/XX/year> being the latest the merchant can respond. They indicated they would let me know within 3 business days of their decision. However through out the process I never got to communicate with an actual human and the generic emails would take days if not weeks for them to update me til the point stop answering me and sent me another generic responses saying claims take up to 90+ days, even though at that point it had already been well passed 120 days. Which is another example of misleading the consumer. 

On XXXX XXXX a total of 134 days they sent me an email stating the claim was denied because they found no error was committed, but the issue about the claim was not the process of payment it was the services on the car not being what I paid for. Throughout the whole process they lied to me numerous times about deadline dates, refused to talk to me about the money. They showed 0 interest or desire to protect or represent me, the consumer.

There is also many attachments in the other complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Attempt to tell you and Credit Bureaus that I am a victim of identity theft and I sent a complaint to dispute certain ITEMS in my file resulting from the crime. I'm submitting multiple Letters to XXXX from XX/XX/XXXX until today XX/XX/XXXX regarding this issues. The ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft pursuant to FCRA section XXXX. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX These items are unknown to me. Also, the information provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
XXXX : ( XXXX ) XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy. 
XXXX XXXX XXXX XXXX, Monday- Friday ( except federal holidays ). 
15 U.S.C 1881 Secticag 604 A Section 2 : It also states a consumer reporting agency can not fumnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Mortgage

Hi my name is XXXX XXXX for the last three years I been trying to get a modification well they gave me one but it always was high well XXXX sold my mortgags to statebridge well I was late one month and they charges me a XXXX late fee and start talking about putting a lie on the house mean time my husband have a XXXX XXXX meant and cant work and now getting a temporary pay check until soc sec start so I sent all the paper work in for a modification and they sent me a letter saying they would not give it to me mind you my house not is XXXX I am behind 3 moths they are asking me for XXXX the lats charge are XXXX my husband XXXX XXXX from his XXXX so we could catch up until his soc sec come in but what they asking for we do n't have they are really not trying to help us I beer in this run down house for 20 years and have no where to go I WENT TO HOPE AND THEY DID NOTHING FOR ME I was told there help out were is it I pray to XXXX that you guys can help me they something fraudulent about statebridge going on even a lawyer told me so. I cant afford a lawyer right now so please help us thank you XXXX 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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

I found fraudulent inquires and account in my credit report.please remove that. XXXX XXXX inquire date XX/XX/year>2024 XXXX XXXX inquire date XX/XX/year>2024 XXXX XXXX inquire date XXXX XXXX 2024
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I would like to submit another complaint regarding my taxes. After Flagstar acknowledged that they were wrong in paying my taxes, which are deferred due to XXXX, they sent me a demand letter via XXXX. In this demand letter they stated I have 30 days from the date of this letter to pay {$35000.00} in back taxes. This is ridiculous! How do they expect someone, who is XXXX to come up with this type of money? I have attached all correspondence for your review.
Product: Debt collection

Informed the company of inaccurate, inconsistent and non compliant information being reported to XXXX
Product: Checking or savings account

The company told me that i was approved for a loan They asked for my account and routing number, I waited hours then looking at my account it should be - {$400.00}, but now its {$65.00} because they reversed or disputed a lot of my transactions to make my account updated
Product: Debt collection

I received a collection notice in the mail from Receivables Performance Management in XXXX XXXX, The collection notice was for a XXXX account opened XX/XX/2022. This was opened in my name without my knowledge and showed up on my credit report. I had no idea this account was opened until I received a collection notice just recently. I filed a fraud case with XXXX, reported this to the police, put a freeze on my credit, and disputed with the credit reporting agencies. XXXX completed their investigation, and the result is they are saying this is my debt. The result was with their consultation with XXXX. This is not my debt and need this corrected. I called XXXX and they could not find an account in their system. I wanted to know all the information on the account such as when it was opened, how it was opened. time of day it was opened, where it was opened and they could not find an account. I have worked hard to keep my credit rating excellent and this is ruining it and I need to have this removed and my credit rating restored.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer Reports and noticed that I had 2 late payments on an account that I was never late for. Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer info to the best of their ability with maximum accuracy. I have never been late on payments for the account with XXXX XXXX XXXX XXXX, the account number associated with this account is XXXX. Please investigate and provide proof with statements showering that these payments were late. If proof cant be provided I demand that these payments be updated to on time as they should be as I was NEVER LATE! Thank you!
Product: Mortgage

Lakeview Loan Servicing LLC is my mortgage provider and has repeatedly billed me for their own hazard insurance policy even though I have provided proof to them, in writing and online of carrying my own hazard insurance policy through XXXX XXXX XXXX. This same practice occurred last year. 

I have requested to be refunded for the insurance billed to me through Lakeview Loan Servicing LLC for the months of XXXX, XXXX, XXXX, and XXXX but have gotten nowhere. They continue to bill me each month. 

XX/XX/2019 - I received a letter from XXXX XXXX stating that I needed to update my hazard insurance to avoid having a policy assigned to me. I did so and uploaded proof to their website. I also mailed them hard copies of my policy. 

XX/XX/2019 - I have a letter from XXXX XXXX stating that insurance ordered has been cancelled. Yet, they continued to bill me for their own insurance XXXX, XXXX, and XX/XX/2019.
Product: Bank account or service

A company debited my account without permission iao of XXXX. I contacted the bank to advise of the transaction and was asked did I contact the merchant directly. I contacted the merchant, who did not follow-up on the claim. XX/XX/XXXX after no refund from the merchant I filed a claim with the bank. I was advised a few weeks later that it was declined as previous business occurred. I was not happy with that response because it was not authorized therefore I called the bank again, spoke to upper level management and was advised 90 statue of limitations expired. I contact the bank a week later spoke to another manager and was advised 120 day statue of limitations. In the meantime my account was closed and I know have a -XXXX account that has turned into over {$600.00} worth of fees. I run a business and need my account. I have been a longtime customer with Chase Bank.
Product: Mortgage

XXXX XXXX XXXX has wrongly charged my mortgage PMI after I had it removed as of in XXXX of XXXX  with my previous lender ( XXXX XXXX XXXX ). My mortgage was transferred to XXXX XXXX on XX/XX/2018 where they continued to charge my PMI. After calling XXXX XXXX they stated they will review the matter in XX/XX/2018. After repeated calls and attempts to follow up with the removal of PMI and refund of money, XXXX XXXX stated will only refund me 2 months of PMI until XX/XX/2018 and not XXXX or XXXX. In addition XXXX XXXX has overdraft my account by charging me for 2 months of mortgage on XX/XX/2018 for months of XXXX and XX/XX/2018. Then, XXXX XXXX charged me again for XX/XX/2018 Mortgage. In the 5 months I have been with XXXX XXXX they have charged me for 7 months mortgage. XXXX XXXX has serviced me a letter stating they have done no wrong doing and will establish a late charge fee that I have previously removed because my automated bill pay was not established correctly by XXXX XXXX within the 60 day allotment of time for loan transfer payments to be set up. In this letter XXXX XXXX states, " our records show on XX/XX/2018, an online ACH payment was scheduled in the amount of XXXX for your XX/XX/2018, installment with an additional amount of XXXX to be applied to your XX/XX/2018 installment. On XX/XX/2018 both payments in the amount of XXXX were drafted from your bank account. '' Then further down the letter they also stated, " your first recurring ACH payment in the amount of XXXX was drafted from your account on XX/XX/2018 and was applied to your monthly principal, interest and escrow payment for XX/XX/2018. '' In their own letter, XXXX XXXX contradicts themselves and still upholds no fault was done by them. After repeated attempts to resolve the matter XXXX XXXX has failed to follow up with me, resolve the matter and deny any wrong doing on their end, nor have refunded me the appropriate amount of money for their mistake of PMI removal, have not removed a late payment from my record and lastly took more than 30 days to complete my inquire about the issues with my account.