23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On my EQUIFAX report, Both of the XXXX ACCOUNTS are showing as OPEN ACCOUNTS. It is not open, it is closed and has been closed for years. It has also been paid in full since with no balance owed. I also believe it is time for XXXX accounts to be removed per the law from when it actually defaulted as the debts originally was not theirs but another companys. It is the same debt as the XXXX XXXX ACCOUNTS. Those XXXX XXXX ACCOUNTS are also CLOSED, PAID IN FULL and are no longer in collection. I have spoke to XXXX as well as XXXX and they have verified as well as told me they sent the correct info to the bureaus to fix this yet I see EQUIFAX is still reporting incorrectly. Also, I received a letter from XXXX that verified they also informed XXXX who is dragging there heels on updating my last complaint to you all, which is CASE # : XXXX as they are showing this as charged off in XXXX 2015 now and at the time I complained to the CFPB they were showing it as charged off XXXX 2015. This is just illegal XXXX that I am tired of and XXXX says it will take 60 days and I know XXXX well they have the updated info already as it was mailed to them about a month ago yet they are still reporting this XXXX account incorrectly and illegally, probably out of spite. I am paying for monitoring services where they claim they update every day, etc and thats just a lie. If I decide to charge back every month I have paid them for there " NOT THE PRODUCT THEY CLAIM TO BE SELLING ME '', I wonder what would happen and if i took it to court what would a judge say. Someone needs to get on this as I am sure there are thousands of Americans just getting ripped off on this monopoly these bureaus have going on. I pay and subscribe to EQUIFAX, XXXX, XXXX and XXXX and I pay all my debts and have not missed a payment on any account I have opened in over 2 years but yet I suffer from some XXXX working at these companies who can not seem to comprehend english or speak it properly when I try to make progress on the phone and apparently can not enter correct true data. I do not deserve this.
Product: Debt collection

On XX/XX/XXXX at approximately XXXX XXXX, a process server arrived at my home. I was not at home, but the process server advised my spouse that we had a court date of XX/XX/XXXX, and that the case was in regards to XXXX. Myy wife informedme of the incident, and after some research, I was able to locate the debt collection agency, XXXX XXXX XXXX , XXXX   based out of XXXX XXXX, MN ( hereafter referred to as XXXX ). I then contacted XXXX, and inquired as to when the debt validation letter had been sent. I was placed on hold for two minutes, and after being taken off hold, I was informed that the lawsuit was in the process of being dismissed, and that they were preparing a debt validation letter, and were willing to make a payment arrangement. 
My complain is that the agency in question initiated a lawsuit without properly notifying me of said debt.
Product: Mortgage

Planet Home Lending is harassing me with bogus fees and costs. I called Planet out for overcharging me {$870.00} in fees/costs that it got paid for by HAF. It took me 2 letters to Planet demanding an itemization and reconciliation of fees/costs. Planet was finally forced to acknowledge that I was right and they were wrong and they had to send the funds back to HAF. Planet is now retaliating against me. 

Planet claims in its XX/XX/2023, letter a {$100.00} fee for " Lawncut ''. Planet claims my neighbors were complaining about the lawn. That statement is a lie and Planet refused to provide me with any such proof. I have a neighbor move the lawn every 10-14 days and he states no one else has ever mowed the lawn. 

Planet states in its XX/XX/2023, statement that it is charging me {$770.00} in pending advances. I called Planet and no one knows what that is for but I'm being charged. I'm also being charged {$150.00} auctioneer fee when I was under Maryland legal protection from a foreclosure. Planet is doing what it can to steal money from me.
Product: Credit reporting or other personal consumer reports

This is my further request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$2800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$6600.00} XXXX XXXX XXXX Balance Owed : {$3000.00} 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

LenderLive services my mortgage and has never sent payment coupons, loan servicing paper, or annual XXXX unless I call in an demand that they be sent. Every time I call they say " we mailed it ( them ) ; they must have been lost ''. I called on XXXX XXXX for a copy of the federal form XXXX which up to that date they had not sent out. I thought it was a federal requirement that the XXXX was sent no later than XXXX XXXX, 2015.
Product: Mortgage

This complaint is against Atlantic Bay in regards to my mortgage escrow account. I asked for an escrow analysis statement to be issued on XX/XX/XXXX Reference Number : XXXX. I needed this analysis as I received a property tax break for XXXX so there was a surplus of escrow. Atlantic Bay had a copy of my tax bill which amounted to {$610.00}. The projected amount for my taxes was {$2800.00}. So as you can see this was a justifiable reason to ask for an updated escrow analysis.

The ticket was never resolved and I was never provided the escrow analysis. I called Atlantic back on XX/XX/XXXX explained what information I needed and why. I was told to open a second ticket, Reference Number : XXXX. The ticket was closed with no comments or resolutions provided. Atlantic Bay also removed my previous escrow analysis document from my account. Very suspicious. Since having the XX/XX/XXXX ticket closed I have made endless attempts to call Atlantic Bay and inquire why they will not provide the escrow analysis. I filed complaints, been told my tickets are being escalated, however each time I call I am not allowed to speak with anyone from the escrow department and each supervisor I speak to has a different story to tell. 
My last conversations were on XX/XX/XXXX with XXXX ( agent ID XXXX ) she lied and told me she opened an " escalated ticket '' for me and assured me I would receive a call back the same day. I called back on Monday, XX/XX/XXXX I was told no one named XXXX worked there and transferred to another supervisor XXXX ( agent ID XXXX ), She opened another ticket on my behalf and provided me an actual ticket number XXXX. She assured me I have a right to ask for the escrow analysis and she did not understand why they would not provide one. 3 days have passed and no one has bothered to call or respond. I have been asking for this analysis since XXXX and it is now the end of XXXX and Atlantic Bay continues to refuse to provide one.

Based on my research I have every right to request a new analysis to be made, however, Atlantic Bay is refusing to provide one. I feel my legal rights under RESPA have been violated. Atlantic Bay has no right to keep that money in my escrow. I believe they are refusing the issue the analysis because if they do, they are legally required to refund me the surplus amount. They, of course, do not want to do that, so they are just refusing the run the analysis. 

I am aware that allegedly NC switched their timeline for the required annual escrow analysis to XXXX, however, I should not have to wait that long, I prefer to have my analysis ran at the beginning of the year as it more aligns with when property taxes are paid out. I would really appreciate your assistance in enforcing Atlantic Bay to follow the law. Happy to provide more details if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a 30 day late mark on my credit report due to Nordstrom Card Services reporting inaccurate information. They did confirm that the error was due to them not having protective measures in place when a consumer sets up auto pay ; the consumer enters their banking account number one time only. There is no measure in place to confirm accuracy like there is on all other payment sites. After 4 years of 100 % on-time payment history, I was asked to re-enter my banking info. Un-beknown to me, I was missing a " XXXX '' ( so they say ). They were not able to withdraw the funds, removed my auto-pay and dinged my credit without notifying me.This resulted in a 70 point drop to my credit score. Had they had a simple verification step in place to protect their consumers this would not have happened. When I asked for confirmation that it was in fact my error, they were not able to provide it. Did I in fact in enter the wrong account number? WHO KNOWS? Could this have been prevented? YES! They refused to do a Goodwill Adjustment. A 70 point drop and it will remain on my credit report for 3 years. The financial ramifications of this due to the impact to my credit score will be huge as my fianc and I are buying a house in XXXX.
Product: Money transfer, virtual currency, or money service

Hello, I hope this message finds you well. On the XXXX XXXX XXXXXX/XX/2023, I opened a PayPal account for my Business in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I messaged customer care asking them that I'll like to verify my account. Which I got a link where I uploaded all my personal documents for my business which includes, proof of address, utility bill, certificate of incorporation. After uploading this information on the PayPal website. I got an email later saying my identity has been confirmed. Upon confirmation of my identity, few minutes later I got another email asking me to upload my ID and proof of address which I did, then the next thing my account got limited permanently. After uploading all my personal details. I didn't even make any transactions on the app PayPal email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have tried several times to retrieve 1099 form from XXXX XXXX XXXX XXXX. I requested this 1099 form over 30 plus days ago. This is my 2nd attempt in getting the 1099 for my tax purposes.

Unfortunately at the time I was laid off, lost my job, faced eviction. To where I ended up in a VA shelter. 

This account was written off nearly 7 years ago. I have tried and tried to get this company to produce a 1099. 
I have attached supporting documents as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Chase ) XXXX XXXX credit card. I was buying tickets, when there was a spot to put it kn credit. So I did. The promotion said XXXX off XXXX in miles or something along them lines. After I did it I tries to buy the tickets and the price changed. So I didn't buy them, used my other phone and bought them off a different credit card. I called them to cancle they said they couldn't it was already in the process. I also the promotion that they gave me was spend a XXXX and get XXXX miles. That's not what I signed up for. I know I did participate in the application. So this might be my fault but I personally don't think so. Now I have a hard hit on my credit report and new card that I'm not going to use and my credit will go down. because of the two problems I listed. There customer service was unprofessional and you could barely understand them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1831 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
Product: Debt collection

The complaint is about XXXX XXXX ( XXXX ). I received collection letter from Overton, russell XXXX XXXX on XX/XX/XXXX for a medical bill ( XXXX ) from XXXX XXXX from XX/XX/XXXX I was surprised to see it because I had never received any bill from XXXX. I made multiple attempts to reach XXXX billing department and finally was able to reach them at XXXX. After inquiring when I was sent a bill and to what address, I was told I was sent bills in XX/XX/XXXX. And the address it was sent to was wrong. After checking if any attempts of calls was made I did not get any affirmative response even though she confirmed they had my right phone number. 
This is 2nd time XXXX has made same mistake with my bill and I wonder how many more customers are facing the same with them. Due to the last mistake of theirs I had to pay .25 % more on my mortgage even though I had paid in full immediately I had seen the notice. I was told the record will not be on my credit but it was there when I started applying for mortgages. Since it was long time back, I let it go. I can not this time. I know for the fact that this is going to haunt me for another 10 years and I want XXXX to make financial adjustments to the loses I am bearing because of these mistakes of theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I took this credit card out I enrolled in an optional insurance program ( a/k/a XXXX '' ) that would payoff the balance should I become unemployed or XXXX. 

While this credit card made a partial payment as I was unemployed waiting on my XXXX to be approved. It has not paid the balance off as stated in the terms and conditions of the optional insurance program ( a/k/a XXXX  '' ). Despite, my sending both doctors reports and a copy of my social security determination showing I am receiving XXXX. 

I have discussed this matter with an attorney that stated this could fall under the " unconscionability '' provision of XXXX XXXX XXXX. XXXX. I do not want to file suit against XXXX. However, if this item is not removed from my credit bureau as it should have been paid in its entirety by the optional insurance program ( a/k/a XXXX '' ) that I enrolled in when I first took out the credit card, I am prepared to file suit. 

I have also been advised that the optional insurance provision ( a/k/a XXXX '' ) could invalidate the contract because a contract requires offer, acceptance, and valuable consideration. When the credit card was taken out, the optional insurance program served as valuable consideration to my acceptance of the credit card. 

This item needs to be deleted from my credit bureau as I do not owe a balance. The responsibility to ensure accurate credit reporting. Including, disputes regarding the optional insurance program falls on the credit reporter. In this caseXXXX XXXX and their failure to do so, could be a violation of the Fair Credit Reporting Act as well as Regulation Z.
Product: Checking or savings account

I made an online purchase from XXXX for XXXX on XX/XX/year> My account was debited for my online order. The order was later canceled because they didn't have the product in stock. This order can not be made without payment. I have been waiting fir 4 days to receive my refund in my account but I never received my refund. I contacted XXXX they told me it could take upto 10 days. I checked my account and there is no record of this transaction which is very bizarre. So I contacted chime bank and a live agent named XXXX was the support rep. He told me my account was never charged. Then he stated the funds were refunded to my account. These were false statements because you can't place an order for pickup without payment and if the fun 's were returned where is the proof because there is nothing on my account. I already contacted XXXX and they stated it could take up to 10days or until chime bank release my funds. I checked my debit card and my checking account and there is no record of any kind not even for my initial purchase for XXXX
Product: Payday loan, title loan, or personal loan

I signed up to have my payments deducted on the XXXX of the month as I am a XXXX   employee and I only get paid once a month. For a year it was going okay. Then they started deducting on different dates. In the month of XXXX they deducted on the XXXX and again on the XXXX. The deduction on the XXXX was for my XX/XX/XXXX payment. This early deduction caused a NSF in my checking account causing overdraft fees and leaving my wife and I without money for food or gas for 2 days. The after effect is still causing me problems two weeks later. 
It has taken many hours on the phone with them getting me know where. Their additude is yea we should not have done it but it was only a few days early.
Product: Credit card

I got credit carded to buy some tires through XXXX XXXX XXXX via synchrony bank. I before the 6 months was done they closed the card. I had one month left. The also charged XXXX $ in interest, I called them and they told me that I was not eligible for any more credit. I told them that was fine but why did you cancel my account? Because the promotion was over ok I guess thats what they were saying but that I could still pay the remaining balance and get the interest free. So I did so however they did not remove the interest and they are charging me XXXX $ a month late fee. They call me all the time. When I try to address this they hang up on my. They text, called leave prerecorded messages all the time day and night non stop. I will not pay them because I do not owe them. They also speak really poor English and I having a slight hearing defect can not make out half of what they say.
Product: Student loan

I have received so many call about student loans.. and have spoke to someone and that said the took care of the issue since I have made arrangement. Yet I still get call. Just to also find out that they were also calling my mother 's house.
Product: Checking or savings account

I opened a " Simple Checking Account '' from Renasant Bank. When opening this account I made it clear that this was an account I would not use much, so I was concerned about minimum balance fees, etc... I was assured that if I kept either {$1000.00} in the account or had electronic statements then I wouldn't have to worry about fees. So I signed up for electronic statements. 

They publish these terms right on their website. 
Simple Checking is a simple and straightforward account with no strings attached. 
Simple Checking Features Low opening balance of {$50.00} No monthly maintenance fee when enrolling in eStatements, having a monthly direct deposit, or maintaining a daily account balance of {$1000.00} or more. Otherwise, its {$10.00} per month. 
Unlimited check writing Renasant Bank Mastercard Debit Card Mobile Banking Online Banking Online Bill Pay I signed into my account for the first time in several months and realized that Renasant had been taking {$10.00} from my account each month for several months. I received no notification that this was taking place. Also, when you sign up for Renasant 's electronic statements, they don't email you anything. You have to login to your account if you want to see a statement or get a notice. To me this violates the notification rules instituted on banks. I contacted the bank and they said this was because I haven't been using the account enough, something they did not mention either in person or in their advertisements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted the bureaus regarding the alleged authorized user on my accounts and there are none. I have never set up nor had authorized users on my accounts. I spoke with XXXX at Transunion at XXXX XXXX EST.  He confirmed there are no authorized users listed on my account and there is no information in their system that shows there ever was an authorized user. I spoke to XXXX at XXXX at XXXX XXXX EST and I spoke with XXXX at XXXX at XXXX XXXX EST who both also confirmed the same information as XXXX. 

The CFPB did close all complaints where the bureaus intentionally provided this inaccurate information. I believe the bureaus lied to the CFPB to get my complaints closed out so they do not have to resolve my credit report issues. This is causing extreme distress in my personal finances and I need your help. These inaccuracies are adversely affecting my credit report and need to be removed immediately. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. 

Since the bureaus are intentionally providing false information to the CFPB I do not believe they intend to complete their investigation or provide accurate reporting on my credit. The bureaus are also in violation of the FDCPA Section 807 by providing misleading false reporting. I am reaching back out to you to assist me in resolving this matter asap. 

I am demanding that these items be removed from my credit reports immediately or I will have no choice but to file for litigation due to the unnecessary stress this has caused me.
Product: Checking or savings account

This incident happened at Fulton Bank, XXXX XXXX XXXX - XXXX. We have a business account under name of XXXX XXXX XXXX. 

Check deposit was made in amount of {$150000.00} on Saturday XX/XX/2021. Service Officer/Teller told us that money will be available in 2-3 days i.e. max by Wednesday XX/XX/2021. 

Today when I went to the bank, I was informed that I won't be able to access the funds till Tuesday XX/XX/2021. Service Officer has placed a 7 day hold on the funds and there's no way to access the funds. When I requested to talk to Manager I was told no manager is available and surprisingly 2 Branch Managers have left the bank within last 6 months. 

After couple of hours I received a call from Ms. XXXX XXXX from Fulton Bank who identified her as the Manager - Vice President and informed me there's nothing she can do to help me. I volunteered to provide all the documentation showing the source of funds and also requested that we need to get this hold lifted. Only reply I got was she can provide me a copy of the 7 day hold that was placed on the deposit. 

Below are the concerns/questions that needs to addressed - - Why we were not told about the 7 day hold when we made the deposit? 
- Is it even legal to place a hold for 7 days without we being made aware? 
- Why we didn't receive any mail or electronic communication regarding that hold? 
- Why we were lied about accessing the funds in 2-3 days? 
- When I visited the Branch, why there was no Manager or a Supervisor to address my concern? 

This is a real inconvenient way to do banking when you can't even access our own funds. Please help to resolve this issue and lets make sure no one else suffers like I did. 

Thanks & Regards, XXXX XXXX Owner - XXXX XXXX XXXX