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

XXXX XXXX, Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX has reported a collection amount of {$6500.00} for the past few years. I have disputed this account on several occasions asking for proof of ownership for this account or a purchase agreement with the origination date, the said amount as well as the services that were provided. I have repeatedly let it be known that this is not an account that I opened yet disputes continue to be deemed resolved with accurate information without the asked proof of any agreement/originating documents. 

Midland Credit Management, original creditor : XXXX XXXX XXXX has reported a collection amount of {$730.00} since 2021. I have disputed this account on several occasions asking for proof of ownership for this account or a purchase agreement with the origination date, the said amount as well as the services that were provided. I have disputed this account with all three credit bureaus in the past with one dispute coming back as resolved and the account was said to be removed as they were not able to confirm account ownership yet the account still is showing on my credit report. 

XXXX XXXX XXXX, original creditor : XXXX XXXX has reported {$3800.00} as a collection on my account for a little over a year. I have spoken with this company on several occasions as well as disputed accuracy for the account as I have not had XXXX XXXX within the last 10 years. Nothing has come of the disputes and calls asking for purchase agreements and account origination proof.
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 XXXX XXXX  Account Number:XXXX  has violated my rights. Or a 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 card

I hold a master credit card with Bank of America. Every XXXX of the month is my due date. My XXXX statement with due date on XX/XX/XXXX was paid in full on XX/XX/XXXX ( days before my due date that it was on XX/XX/XXXX ). Today, I observed a {$24.00} interest charge. I called Bank of America, because I always understood that if the customer makes the full balance payment for the current statement then the customer should not get charged any interest. It did not happen with Bank of America. I called the bank today XX/XX/XXXX at XXXXXXXX XXXX and after XXXX minutes on line, they refused to assist me. I made another phone call same day XXXX and I was hour and XXXX minutes on line with them. First, the representative stated that my request has been denied then I requested to speak to the supervisor and she stated that the interest charge is for the time in XXXX that you had a balance. I responded to her that in the more than XXXX that I hold and use credit cards, I have never seen that a credit card will charge you an interest after the full balance has been paid before the due date. The supervisor from Bank of America maintained her position that she will not remove the fee and I should pay the interest for the time of XX/XX/XXXX through XX/XX/XXXX that I was holding a balance because there were interest revolving during those days. I stated that every credit card has a a daily revolving interest, but when the balance is paid in full by the due date then the customer should not be penalized with interest rates. She was very dismissive and she told me that she will hang out the phone to me and she did without removing the interest charge that the Bank applied after the balance was paid in full before the due date.
Product: Money transfer, virtual currency, or money service

after realizing the account might be a scam I contacted the company ( Coinbase ) to prevent the verification process and stop the transaction. I did not receive any help from their support team. After I called a few times no one was able to give me any guidance on how to save my money ( savings ). They did not ask me for any details about reporting the issue. There was no protection available, nor an insurance or funds security offerings. I submitted a complaint. I never received proper support. The money was gone. I understand the digital currency economy is very new, and regulations are not fully in place. But if one of the leading Crypto Exchange companies, such as Coinbase, which makes big profits, can not have self-regulated plans for cases and circumstances that should be serving a regular user/customer/like myself, it will not be fair to only focus on business success, without considering providing service and support to those whom they profit from.
Product: Mortgage

This PNC account at was my father 's, who passed away on XX/XX/XXXX. I went to the XXXX XXXX NC branch prior to his death and presented my POA papers to scan/fax to the appropriate department. After his death, I went to the XXXX, NC branch and took his death certificate and paperwork from the attorney and asked what additional paperwork I needed to be listed on the account. They said there was no record of any POA paperwork on the account or my name anywhere on his account. I told them we would be selling the property to pay off the account. They took my paperwork and faxed it to some department ( not sure where? ), and told me to check back in a week. I went back the next week and they said there was no record of my paperwork and they would need to fax it all again. They assured me I had everything I needed and it would get to the right department and to call back in a few weeks. I called back a week before closing and there was still no record of any paperwork or my name on this account. By XX/XX/XXXX, the closing attorney said we could not close because I was not listed as successor on the account. On XX/XX/XXXX I went to the XXXX, NC XXXX branch and again had them fax all of my paperwork in. They sent me over to speak with XXXX XXXX at the XXXX XXXX. XXXX called XXXX XXXX at the XXXX office who was extremely rude and told me that I had not turned in my " successor packet '' and there was no way we would be closing on Monday. This was the first time anyone at PNC informed me of the packet. XXXX was kind enough to print off the packet information and FAX it again to the probate department. XXXX would not let him email it. I went home and contacted the probate department again and XXXX XXXX asked me to email it to her. She asked for my previous marriage licenses. Which took me until Monday XX/XX/XXXX to get. This pushed closing back to the XXXX. I was told I needed a letter from PNC stating the account was frozen so I contacted them on the XXXX asking for that. Probate again told me they had to send a request off to another department but would escalate it. I specifically asked them to email it, however I found out this morning they mailed it instead. This will push closing back again.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested a cpy of my Clarity Services consumer Report on their website but I seem to be having a problem receiving it. The reference number I received from the website is Reference Number : XXXX. I like a copy of my consumer report emailed to me at XXXX. The last XXXX of my social security number is XXXX, my date of birth is XX/XX/year> and my current address is XXXX XXXX XXXX, XXXX, PA XXXX. I have attached a copy of my passport, my social security card and copy of my current bank statement with my current address.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX, XXXX, and Equifax report from XX/XX/XXXX : Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Multiple inquiries were made on my credit report within one day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report.

Inquiry from EQUIFAX MTG on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
My credit report shows multiple unauthorized inquiries, all within one day of each other. Please remove all of these unauthorized inquiries immediately.

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and dont remember authorizing them to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information immediately. Thank you for your assistance.
Product: Credit card

My american express blue cash credit card is supposed to pay 5 % rewards on XXXX categories of spending at supermarkets, drugstores, and gas stations once I reach XXXX in spending for the rewards year. i reached the limit with XXXX in spending as of my XXXX/XXXX/16 billing. Since then I have continued to get only the low 1 % rewards with my XXXX, XXXX, and XXXX billings. I have called many times for the last 3 months without success. My last contact was an email stating my rewards were correct, unsigned with no callback number except for general customer service. Calls made since get only long waits, transfers, and promises to investigate all without success.
Product: Credit reporting or other personal consumer reports

I am currently facing a significant hurdle in my financial endeavors due to unverified inquiries present on my credit report. These inquiries have not been confirmed by me, yet they adversely impact my credit score and consequently hinder my ability to obtain new credit. It is imperative that these unverified inquiries be promptly removed from my credit report to restore fairness and accuracy to my financial profile. Removing them is crucial in facilitating my access to essential financial resources and opportunities. Therefore, I urge for immediate action to rectify this issue and alleviate the unnecessary burden it imposes on my financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited 2 cashier checks and a check from an attorneys escrow account into my business account. It was from the sale of a property that I sold. The total was approximately {>= $1,000,000}. Of that total {$150000.00} was the attorney escrow and the balance was the two cashier checks. 
Tuesday XX/XX/XXXX at XXXX I made the deposit to the teller at the branch. 
Wednesday XX/XX/XXXX my account showed all funds were available and I had requested the assistant manager to wire the funds to another bank, my partners account. 
After completing all the documents and assuming The wire took place, my partners bank never received the funds. 
The assistant manager said the checks had to be verified. So I called back on Thursday and they still hadnt verified the checks and couldnt tell me any more about when that will be done. I called throughout the day and still no details except that the checks hadnt been verified. I asked for the manager and was told shes at another location. I asked for the regional managers name and number. I tried calling multiple times because it would just go to voicemail. Still no one has returned my calls. 
Friday XX/XX/XXXX. I went to the branch and asked them to wire an amount that didnt include the one Non bank check for {$150000.00}. The assistant manager said he could only wire Aprox {>= $1,000,000}. I agreed. Then after waiting 30 minutes he informed Me he actually could not wire any amount, because the funds were now not available and some one else would be calling me in a fee minutes to explain why. 
I received a call from the branch manager, XXXX XXXX, and she said she flagged my account for fraud so funds would not be available until next Thursday. 
She explained my personal account Was overdrawn ( which if it was it was like {$60.00} ). Also, She Said another business account of mine was closed and had a balance, which i was not aware there was a balance. So based on this she decided to flag my deposited checks as fraud and I would need To contact the fraud department. So from Tuesday to Friday afternoon my funds were available, and when I finally decided to move only the {>= $1,000,000} the manager decides its now worthy of flagging it for fraud. Ive been banking with TD Bank since 2013 and never have I had any problems with transferring funds. Except about 6 weeks ago they held up a {$20000.00} wire into my account that I was trying to wire to my attorney to purchase another property. The same manager held the funds for 10 days. 
I believe that there was no cause to freeze my account and was only done to either keep the money with the branch or because I was complaining they wouldnt verify my deposits. Why was the branch Assistant manager willing To wire {>= $1,000,000} and 30 minutes later I find out the manager flagged it for fraud? All I got was an 800 number to call from the manager, which nobody answers after waiting on hold for 45 minutes!

The assistant manager for 3 days kept giving me different answers about what had to be verified. Every time i spoke to him he was evasive and gave different answers.
Product: Student loan

Attended the now-shutting down XXXX XXXX in XXXX, CA. During my time as a XXXX, I had a car accident and had to leave before my finale year. Upon returning, my federal loans through XXXX seemingly split with Sallie Mae who was now handling them, but these turned out to be private loans. Now, my grandfather ( who co-signed with me ) are paying my XXXX XXXX private loans month-to-month and XXXX says I do n't have to pay until I find work, which I 'm not finding anywhere across the state of California, and Sallie Mae is calling us daily with robocalls to harass us to pay XXXX different loans at once. Initially Sallie Mae told me they would switch me to Graduate Repayment ( interest only ) but this has not happened, nor has consolidation ( XXXX XXXX also claimed to lower our payments but never did ), and I do n't know what to do. My grandfather is the only one generating income and it 's barely enough for us to keep the house, so we do n't know what to do and it seems like other students both from my school and around the country feel like they are being scammed by Sallie Mae.
Product: Credit card

I was sent a Destiny credit card through a company named Concora Credit that I did not request. I shredded the card without using it and now they have sent me a bill requesting a payment of {$170.00} by XX/XX/year>. 

I called their phone number to dispute the requested payment, and they would not speak with me without me providing my Social Security Number. I refused to provide them with the SSN. The call center appeared to be located aboard due to the accent of the representative that I spoke with. 

My personal information as well as my husbands personal information has been leaked to various XXXX websites through hacks by others in the past. It is possible that someone else has applied in my name due to the leaked information. 

I do not know how to address this situation without them harming my credit rating, which I have been trying to correct over the past several years. 

I appreciate any assistance that you can provide to me and have a good day.
Product: Credit reporting or other personal consumer reports

I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Debt collection

An unknown debt appeared on my credit. I have been overseas for over 8 years. I have no knowledge of the debt nor do I know what its for. I was never afforded the opportunity to have the debt validated and or dispute- it was just placed in my credit.
Product: Mortgage

I have been trying to complete a recast of my Mortgage with Freedom Mortgage and the company has delayed the recast in an unacceptable time frame. I originally contacted Freedom explaining that I wanted to complete a recast with a payment of {$240000.00} towards my principle. I was instructed to mail a check for {$250.00} and a letter requesting a recast. I mailed letter and check on XX/XX/22. Freedom misapplied my check as a partial mortgage payment. After several calls they reapplied the funds. I reached out to Freedom several times to obtain a contact person for the recast with no success. I wished to increase the amount I was applying for the recast to {$250000.00} but I was leary of sending the funds without a contact person to confirm the process as my {$250.00} earlier check had been misapplied. XXXX XX/XX/22 I received a letter from Freedom stating they were unable to complete the recast as they hadn't received the curtailment to principle and that my loan was being transferred. I again contacted Freedom and was told the loan would be transferred within 30-60 days and that I could complete my recast at that time. Sixty days passed without any further communication from Freedom about completing my recast or informing me of a new mortgage service provider. I again contacted Freedom on XX/XX/22 and spoke with teller # XXXX who looked up my account, read the letter about the service transfer and instructed me to mail another check for {$250.00} with a letter requesting a recast. I mailed another check for {$250.00} and another letter requesting a recast. Freedom cashed my {$250.00} check, and on XX/XX/22 I received a call from XXXX teller # XXXX telling me again that Freedom would not complete the recast as my loan is scheduled to be transferred in XXXX. Since the letter from freedom on XX/XX/22 I have made mortgage payments for XXXX, XXXX, and XXXX and will have to make another one in XXXX if this does not get resolved in a timely manor. The amount of funds I wish to apply towards my recast of {$250000.00} should lower my mortgage payment by aprox. {$1200.00} a month. I will have made at least 4 additional mortgage payments that were unnecessary if Freedom had acted in an appropriate manor. If Freedom can close on a purchase or a refinance in a few weeks why should it take XXXX+ months to complete a simple recast? This is not fair to the consumer and a deceptive business practice.
Product: Credit reporting, credit repair services, 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 15USC 1681. 

XXXX Account : XXXX which was removed from my report a account that has made me open to possible fraud that didn't belong to me. XXXX XXXX and XXXX XXXX are also reporting the address XXXX XXXX XXXX XXXX, GA XXXX also address XXXX XXXX XXXX XXXX, FL XXXX. 

15 U.S.C 1681 section 602 A. States I have a 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2020 I made a check deposit of {$2500.00} to US Bank the teller told me funds would be available on XX/XX/2020. I checked my account on XX/XX/2020 and My funds were there. 
I started using my card after knowing my funds was available but they had decided to put a 7 day hold on the check after already releasing the funds to me. This check was issued to me by XXXX XXXX XXXX which is definately good and There funds are available to honor this {$2500.00} check. With me using my card for purchases and withdrawals US Bank decided to not credit my account for the funds they already credited me for and put my account in the negative and started charging me insufficient fund fees for no reason at all. I don't understand how they can give me my money and take it back and put it on a 7 day hold when the check I deposited was a good check. They could have easily call my customers bank to verify funds on the check i presented and Not give me money and take it back from my checking account. This has created a hardship for me cause now I have pending transactions on my account, overdraft fees on my account and they are holding my money now and my account is in the negative. This is truly poor business practices by US bank and should not never happened.My funds were available on XX/XX/2020 because I made a {$700.00} dollar atm withdrawal. My atm withdrawal would have been denied if funds was not available on this date.