23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Keep getting calls all day long  from Macys Blloomies and MCCS which is also Macys. I do n't even have an account with them nor does any family members. Do n't even shop at Macy 's. Every time I block the number they call on another one. From what I have read others have tried to stop them but have n't been successful so I have n't bothered contacting the company. Not sure if it is really Macy 's or  not. They just called again from this number  XXXX  and this is only  one  of tons of different numbers they use.
Product: Mortgage

I spoke with XXXX XXXX XXXXDovenmuehle Mortgage, INC back XXXX XX/XX/2023 when I realized that I failed to provide them with my new checking account information for my XXXX payment. That is my fault and I realize that I made that mistake. I spoke with a representative, I can not recall her name, but I provided her with my XXXX XXXX XXXX Checking account information ending in XXXX. She assured me that it was ok and that she would have it reprocessed for XX/XX/2023. I kept an eye out for the transaction in my checking account and did not see it. I received a notification from my old financial institution that my account was in the negative by {$9.00} due to a transaction from Dovenmuehle and I had been charged a fee for {$32.00}. 
This was in addition to their attempt on XX/XX/2023 due to my failure to provide the updated checking account information. 

When I called XXXX XXXX XXXXDovenmuehle Mortgage, INC today , the customer service associate I spoke with would not listen to me when I was trying to explain that they had tried twice to withdraw the funds from the old checking account. I gave up and asked for a supervisor. I was transferred to XXXX. XXXX was rude and spoke over me. She could not explain why I was told my correct checking account would be billed for the XXXX payment on XX/XX/2023 when I provided the new checking account information on XX/XX/2023. I felt that I could not trust XXXX as she seemed to not believe that they had attempted to withdraw the XXXX payment again or that I was told that. She wouldn't even take a payment from me. I asked to be made whole for their error and have something in writing so that I could get the {$32.00} fee from my bank for their 2nd attempt to be refunded to me. I had her spell out the email address as she refused to do anything via phone and it had to be in writing. The email ended up being returned as not delivered. I found a way to access XXXX XXXX XXXX directly and sent a message to them and have never heard back.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple over draft fees applied to my account.
Product: Credit card or prepaid card

On XX/XX/XXXXI used my home computer on the Flagstar 's website to request a balance transfer to pay off a XXXX XXXX XXXX credit card. After entering the transaction, I realized I put in the wrong amount. I called the Flagstar on XX/XX/XXXX@ XXXX XXXX & asked if they could access the transaction I just entered and correct the amount. The representative told me the transaction did not go through. She mentioned " if I did not see a disclosure statement, then it did not through '' She also told me that I should go back in and do it again. I chose to wait a couple of days and check to see if it was processed. After two ( 2 ) days, I could not see the transaction, so I used a courtesy check from the Flagstar and went into XXXX XXXX XXXX and paid off the correct balance. On XX/XX/XXXX I received a letter from Flagstar indicating they had in fact prepared and sent a check to XXXX XXXX XXXX. As a result, two ( 2 ) transactions were processed and my account has a balance reflecting both. I was also charged two ( 2 ) fees associated with the transactions. I called Flagstar on XX/XX/XXXX @ XXXX XXXX and spoke to XXXX. She told me the first representative did not know where to look for the transaction. We discussed her putting a stop payment on the check they sent to XXXX XXXX XXXX. I told her after the account was paid off, I closed it. XXXX left the phone and spoke to her manager and returned to tell me that XXXX XXXX XXXX would return the check to them as the account was closed. After I asked her if she was still going to put a stop payment on the check and she said " yes ''. However, XXXX did not. XXXX XXXX XXXX received the second check for the wrong amount and is still holding the credit on the closed account. I complained to Flagstar about the incompetent representatives and they indicated they would review the calls. Subsequently I received a call from a female supervisor who was nothing more that a liar. She told me they reviewed the second call and there was no mention of " stopping payment ''. I know this is a LIE as I was on the phone. They are only attempting to cover their XXXX in this. I wants a transcribed copy of the tape since I was on the other line. They are refusing to provide it to me and lying about the content of the call which lasted twenty-seven ( 27 ) minutes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX bought a loan from XXXX starting XX/XX/202 for our XXXX installation. We have had this loan for about 8 years and never missed a payment. XXXX said they transferred XXXX XXXX payment over to XXXX on XX/XX/XXXX. XXXX has been contacting me since XXXX saying we are late and they never received payment. I sent them bank statement proof through the online portal. They said they don't see it. I have called them at least twice a month from XXXX through XXXX On XX/XX/XXXX XXXX did a 3 way call with them and me and verified payment was received and sent over. They also sent an email that day with accounting proof of payment. My credit score has been tanking recently since they are showing me delinquent over 60 days. There is only one number to call which is customer service. I can not speak to anyone in authority there. They promise someone will call me after every phone call. I have yet to hear from anyone. They are still saying I owe now for XXXX, when they payment was made on XX/XX/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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and 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 am Writing to request Formally the removal of a XXXX entry on my credit report I understand the XXXX  does not Report Directly to the credit agencies given that the reported information may not be accurate or complete, I Respectfully ask that you investigate and remove the XXXX  entry from My Credit Report.

I appreciate your Attention to this Matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening, On XX/XX/2021 I submitted a claim with Equifax to advise them they had the incorrect SSN on the website ( Confirmation : XXXX ) on XX/XX/2021 the Claim was " Completed ''. When checking the website it still had the incorrect SSN, so I contacted their offices directly to let them know the issue was not fixed. I was mimicked, laughed at and told I couldn't speak to Manager, the Rep refused to give me his name and he was disrespectful, put me on hold then sent me to a survey line. I then filed another complaint XX/XX/2021 ( Confirmation:XXXX ), it was completed the same day and the SSN was not corrected. I then submitted another claim on XX/XX/2021 ( Confirmation:XXXX ) and contacted the Equifax Offices , again I was mimicked I was laughed at for the issue I was having, was called XXXX names and hung up on. I have been having the issue since the beginning of XXXX have received multiple letters saying the issue was fixed and it has not. Equifax says they have no records of any of the claims but I have multiple letters they are not assisting. I have filed a complaint with XXXX they have not assisted either. I'm at my wits end, this has been such a challenge. And for the company to be so disrespectful, unwilling to assist, and then to make fun and use XXXX slurs is very disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I tried obtain a free annual credit report from XXXX  using the website XXXX XXXX XXXX XXXX. My attempts were blocked without explaination. 
I immediately filed an complaint with CFPB against XXXX for not allowing the consumer to obtain theri reports online. To date CFPB and XXXX has refused to address or acknowledge this complaint. 

I had to submit an written request to XXXX  to get a hold of my credit report. Once I received the report I immediately disputed several inaccuracies. XXXX  reffused to correct or acknowledge all of the disputed information and then refused to sent an updated copy of the consumer credit report showing correction. 

I received XXXX  report # XXXX dated XX/XX/18. XXXX  has refused to investigate and fix the following complaints : Although Cicitbank is reporting my credit limit to XXXX. XXXX  has removed the credit limit on my Citibank account with full knowledge without showing this information it affect my debt to credit ratio and intentionally lowers the consumer credit score. 

I again reached out to Citbank and verfied reporting of my credit limit. In addition all other reporting agencies are showing the Citibank credit limit. Therefore, I would like to file a formal complaint against both Citbank and XXXX  for targeting minorites and intentionally lowering their credit scores by refusing to show the availble credit limits intentionally lowering the consmer credit scores.
Product: Debt collection

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING LLC. This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. LVNV FUNDING LLC XXXX
Product: Mortgage

1 ) The mortgage servicer Carrington Mortgage Services , LLC has denied the review of Mortgage Assistance for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2 ) Carrington Mortgage Services , LLC states the monthly payment would increase therefore mortgage assistance application can not and will not be reviewed. However, Carrington Mortgage Services , LLC has not provided any evidence of this, other than verbal communication. 

3 ) Carrington Mortgage Services , LLC then stated that they would assistance and review any Loss Mitigation Assistance options.

4 ) Carrington Mortgage Services , LLC has instead set a sale date of XX/XX/XXXX Carrington Mortgage Services , LLC plans on proceeding with the foreclosure sale, rather than review our RMA application. 

5 ) The actions of Carrington Mortgage Services , LLC are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, Carrington Mortgage Services , LLC violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX XXXX XXXX XXXX XXXX by not accepting said RMA application. 

6 ) This practice violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
Product: Bank account or service

I opened a savings account with XXXX. I scheduled a transfer of {$200.00} from my discover cash back checking account on XXXX XXXX they said it would be in the savings account on the XXXX it is now the XXXX I checked my savings account the {$200.00} is not there I checked my XXXX account and {$200.00} posted and it said " reverse ach withdraw '' I called XXXX and they said my account was suspended from doing transfer why? I have NEVER done a transfer from this account ever. I have been on hold for 20 mins now and no one can seem to figure it out they just keep saying I 'm reviewing the account let me place you on another hold. I rarely ever call customer service for any company because I like to do things myself I 'm an advocate at a bank the last thing I want to do is be that angry customer but no one can help. I need answers!!!!
Product: Credit card or prepaid card

# 1 I took out a {$2000.00} my chase loan on XXXX, XXXX XXXX it was meant to expire on XX/XX/XXXX, paying XXXX a month. lo and behold, it is now XX/XX/XXXX, and the loan is completely paid up. I ran into this problem with chase on a different occasion, and have been careful to never pay more than my interest saving balance. I spoke with chase, with a nice supervisor who spent an hour trying to source the problem. she said that she never saw these things before, but since I had taken XXXX charges and turned them into my chase plans, specifically a XXXX charge to XXXX on XX/XX/XXXX, and a XXXX charge to XXXX XXXX on XX/XX/XXXX, it messed up the app. in other words, the interest saving balance included those sums as their totals, even though I had already broken them up into their plans. but once the funds came in, the app recognized that the money couldn't go to the chase plans, and viewed the " extra '' funds as extra money that it put against my chase loan, money that would have been greatly appreciated by me had I been able to keep it for my cash flow. she figured this all out and wrote up a whole file. she gave me an escalation number, and said that I should expect an answer within 7-10 business days. I waited a week, and then called. the lady on the phone said a letter was mailed. today I got the letter. I am not joking ; it says " thank you for your recent inquiry.... we understand your concern about your my chase plan and my chase loan. all the information can be found in on your statement under the my chase plan summary & the my chase loan summery. thank you for being a chase client. '' ( mistake in the original ). seriously? I know how to read my statement. this is trash service by a supposedly first class bank... what am I supposed to do now? spend another 5 hours just to get another stupid letter? can I charge chase for my time?
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion regarding the account XXXX XXXX XXXX listed on my credit report. I advised TransUnion that they are reporting an account that states the payment status as Collection/Chargeoff with a Past Due amount of {$120.00}. This is inaccurate reporting. A collection/chargeoff is by definition is past due. TransUnion is also reporting this account as closed as of XX/XX/XXXX but still reporting it as charged off as of XX/XX/XXXX. This is inaccurate reporting.
Product: Credit card

Capital One Bank has disrupted access to my family 's funds on a ongoing basis since XXXX, and Capital XXXX  XXXX continues to mark payments as late and negatively report to the credit agencies. First, funds were stolen from my account at XXXX as a result of poor fraud detection policies of Capital One, putting my funds into an investigation. When I complained, access to my account was cut off with no notice and no indication of how I could get my funds. 

Capital One should not be allowed to participate in consumer fraud and then which themselves from it via another line of business.
Product: Checking or savings account

Back after my last transaction on XX/XX/ with Square, this company closed my account without providing a reason. There has been a balance of {$59.00} sitting in the account since then and I was told my funds would be sent to me 6 months after the account was closed and it is now over 6 months and I have not had the funds sent to me. I went into the account to try to withdraw the funds and they have blocked my ability to do so. They have not responded to repeated requests as to why I can not access the funds and I have exhausted all options for a resolution with this company.
Product: Money transfer, virtual currency, or money service

Sometime before XX/XX/XXXX, I was contacted on XXXX  by a person claiming to be XXXX XXXX, posing as an employee of XXXX. After chatting on XXXX several times, the conversation was moved to XXXX. My business, XXXX XXXX XXXX, was hurting due to COVID and low oil and gas prices and I was looking to make money to pay my bills so XXXX convinced me to invest via XXXX in a company he was working for that is now known as XXXX that would use binary trading to invest on my behalf. I was told that the minimum to invest was {$500.00}, so I bought XXXX BTC via CashApp for {$500.00} including fees. I transferred the bitcoin from wallet XXXX to wallet XXXX on XX/XX/XXXX. I was then told that I had to meet the wallet minimum of {$2500.00}, so on XX/XX/XXXX, I purchased XXXX BTC for {$1200.00} including fees. I then transferred said bitcoin to the same wallet. Trading then commenced and when first cycle was over, I asked to withdraw the bitcoin. I was told that the withdraw/exit fee was {$3100.00}. I then bought XXXX XXXX on XX/XX/XXXX at a cost of {$810.00} and transferred it to wallet XXXX as instructed by XXXX via two separate transactions on XX/XX/XXXX & XX/XX/XXXX. I then bought XXXX XXXX at a cost of {$1500.00} and transferred it to the same wallet on XX/XX/XXXX followed by a purchase and transfer of XXXX BTC ( {$1600.00} ) on XX/XX/XXXX. I was then told I had to pay a Delay Fee of {$2500.00} for my funds would be released because I waited too long to pay the withdraw/exit fee. I was in dire straights financially and had borrowed the money to pay the withdraw fee from my wifes retirement account. That money was supposed to pay my bills for the month, so I had to borrow more money from another retirement account to pay my bills for XX/XX/XXXX. At this point, I fully believed the whole thing to be a scam and refused to give them additional bitcoin, so I have never received my funds. Please help me recover this bitcoin if possible.
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 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

In XX/XX/2019, I sold a video game on XXXX  to a purported buyer. I followed all XXXX guidelines for seller protection, particularly for sending digital download codes for software. 

Upon receipt of the redemption codes, the buyer initiated a fraudulent claim, stating only that " my account was hacked '' and requested a chargeback of {$35.00}. PayPal agreed with the buyer without considering any of the evidence that I provided to the contrary. 

Upon calling them today ( XX/XX/2019 ), the Disputes representative I spoke to was incredibly rude, hung up on me, and refused to allow me to appeal or re-open the claim. She stated that I didn't provide " the IP address '' or " other information '' proving that I was defrauded. I work in XXXX  -- there is no discernible way that I would be able to find the IP address of the fraudster 's XXXX to prove that they redeemed the codes. 

PayPal should examine how they treat customers on the phone. Customers -- especially Veterans, like me -- don't deserve to be treated rudely because we're trying to make sense of a financial institution 's overwhelmingly complex, confusing, and vague claims processes. After wasting several hours on the phone, I gave up, paid the balance due, and closed my account. I will never open a PayPal account again, nor will I ever recommend PayPal to friends and family. In fact, I will actively advise against opening accounts with PayPal to anybody who will give me the time of day. 

Having worked for a XXXX XXXX XXXX XXXX responsible for handling bureau complaints and inquiries, I do not expect anything to happen to PayPal, nor do I expect to receive my defrauded {$35.00} back, although it would be appreciated, particularly after how poorly I was treated on the phone. Nevertheless, I will be watching closely for similar stories, and will consider certifying a class for a class action lawsuit for UDAAP in how PayPal handles claims.