23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted this company about violating the debt with the original creditor and Sent a cease and desist letter instead the sold the debt to another collections company even tho this debt is already paid so they keep sending different collection agencies after me to get money from me
Product: Credit card

Good morning, I am trying to buy a home and during the process in my credit shows that I have a credit card with a debt with cabalas club. I never open that credit card, I spoke with the bank capital one and they told me that they already found something suspicious and the card is already frozen as right now the card is under investigation but it will take XXXX to XXXX  days to solve the problem. like I mention before I am trying to buy a home and I urgently need to clear my credit as soon as possible. I would really appreciate if you could please speed up the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing this for non-compliance of the credit bureau to remove this inaccurate information off my credit report. I have already sent letters to have the investigate this information in which thy completely ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax, and XXXX are all reporting my XXXX XXXXXXXX credit card as having a late payment in XXXX of 2022. All three agencies are violating my consumer rights of the fair credit reporting act. These companies are in direct violation of 15 US code 1666b that states a creditor can not report an open credit account as late. They are also in violation of US code 1681i that states any inaccurate and invalidated information must be removed off my credit report.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I made a complaint with CFPB ( Case # XXXX ) after not being able to speak to a XXXX regarding my issues with payments and interest being credited correctly. The response to the complaint, dated XXXX XXXX, was that they would waive the interest totaling {$15.00} and attached my ledger. The information on this ledger is not what is listed when I log online. I noticed I was charged interest starting XX/XX/XXXX. I only signed the contract XX/XX/XXXX. The {$15.00} credit was not put on my account. Instead they charged {$120.00} to my account on XX/XX/XXXX. I called and left a message with the Senior XXXX XXXX XXXX ( XXXX ext. XXXX ) who wrote the letter, he never returned my phone call. I have called the normal customer service number to speak to a supervisor. I'm always told that someone will call me back, however I have not received a call back since XXXX. I would like to go through my entire account to rectify any issues and questions. 

XXXX. Why was I charged interest for dates before the contract was signed? 
XXXX. Why was the interest not adjusted based off of actual payments received? 
XXXX. Why was I charged an additional {$120.00} on XX/XX/XXXX? 
XXXX. On XX/XX/XXXX I was told by customer service representative that these charges, although they are shown on my ledger that I received from XXXX and they show up on my payment history online, she did not see the charges on her end and to just disregard them. 

It is almost impossible for a customer to speak to a supervisor with this company because they are " busy '' however when a customer service rep needs to consult with a supervisor about an issue, the supervisor seems to be available for those interactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is XXXX XXXX XXXX XXXX lower than the other XXXX major agencies. The info is the same. XXXX will boost my score XXXX XXXX XXXX XXXXXXXX if I pay Experian XXXX} a month.. This is extortion is it not? They also have incomplete an inaccurate info on my report that they have verified. The information is still inaccurate and incomplete. Their verification process is to contact the company that supplied the information and ask if this is accurate. No proof is required just an affirmative reply. 
I am sure they make more money from keeping their customers happy than they do by requesting proof. I am sure I am not the only XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX-Pentagon Federal Credit Union ( PenFed ) mortgage went into COVID Forbearance XX/XX/XXXX-I applied for a refinance with PenFed since the rates were low. 

XX/XX/XXXX-PenFed denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XX/XX/XXXX. 

XX/XX/XXXX-PenFed reported my loan as delinquent/overdue by 120+ days to XXXX  and XXXX  despite the fact that I have never, ever paid my mortgage late. 

XX/XX/XXXX-I contacted PenFed to ask them to remove this inaccurate information from my XXXX  and XXXX  credit reports. 

XX/XX/XXXX-the information is still listed as delinquent/overdue on both XXXX  and XXXX  credit reports.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/year>
Product: Credit card

I disputed a charge from XX/XX/XXXX  for {$67.00} for an order from XXXX XXXX  which was never received. I was given a conditional credit on my credit card statement. On XX/XX/XXXX  Capital One reversed the conditional credit, apparently indicating that I lost the dispute. 

Capital One gave me no chance to submit complete information about the dispute. Capital One never told me of the vendor 's response to the dispute. Capital One never gave me a chance to contest the vendor 's claim to the dispute. Capital One never even told me the resolution of the dispute, they just snuck the new charge into my statement calling it a " Purchase Adjustment. ''
Product: Mortgage

My name is XXXX XXXX l have a loan with XXXX XXXX, service by Rushmore Loan Management services. 
I have been suffering a nightmare since the first day my loan was sold to you. 
In XXXX of this year, I bought a condo in XXXX Florida, and it was financed by XXXX XXXX. 
All my documentation was submitted and registered by them, including 1 year in advance condo insurance, and the flood insurance from my building. 
Since XXXX this year, my loan was sold to XXXX XXXX, and the documentation was apparently never submitted, by the previous loan owner. 
They start adding money to my balance without even notifying me, when they finally told me, I let them know that was wrong because I did have full insurance, paid in advance for the full year, including the flood one. 
I submit everything by email several times, and even by regular mail. 
And the last time I was able to actually speak with someone over the phone, he said that the information was received, but, never processed. 
I submit it one more time, but still shows a deb that I dont own! 
It is not my fault that the previous loan owner did not submit it completed! 
I have been trying to get the message to the people that call me harassing me for something that is not right! 
And now for the past 2 weeks, I have been trying to speak with someone on customer service, and is absolutely impossible, that customer service line XXXX XXXX XXXX became only an automatic system, and is not possible to speak with no one. 
Please help me, I need them to register the insurance information from day one in my loan, delete the amount of money that was a wrongful charge to my balance, and clear my loan. 

Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card reported I was late 30 days in XX/XX/2019 and XX/XX/2019. The late payments did not occur in XX/XX/2019 according to a representative but in XXXX. 
I reported that I had to change my bank account information due to theft of my check book. A few attempts were made y discover to pull out payment from the old account and payments were returned. Discover card policy states I have 60 days before late payments are reported to the credit bureaus. MY payment was received on the 60th day In which it was reported. 
I spoke to a representative and was told I actually have 59 days. This is not clearly indicated by Discover Card to its consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a signed contract nor any contract with CREDIT COLLECTION SERVICE. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CREDIT COLLECTION SERVICE.
Product: Checking or savings account

On XXXX XXXX my account was locked by Marcuc by Goldman Sachs with no explanation. A customer service agent has attempted to contact me with a reset pin. No reset pin was received and the agent told me my cell phone company XXXX XXXX XXXX XXXX XXXX would not accept reset pins from Marcus. On XXXX XXXX, I attempted to reset my account again. My mother received a call from Marcus saying they were attempting to reach me. I do not share a cell phone number with my mother, nor are they similar. I spoke with a Marcus representative and they stated they can not grant me access to my account and I need fill out a Identify affidavit.
Product: Debt collection

This company called my place of business and threatened to have me served with papers to appear in court for a debt from XX/XX/2014 for {$1600.00}. I called them immediately and they stated I had to sign documents and agree to settle a past debt or I would be subpoenaed at work. I checked my credit reports and this debt is not on any of the reports. They are aggressive and threatening. I can not find them on the internet and they seem to be fraudulent. Please advise.
Product: Debt collection

Delinquent on account due to husband losing job and only my income to support a famil y   of 3. Honda fina nce company called references and disclosed information they should n't have. A reference should not know that they are being called in reference to someone 's debt. I had called them later and set up payment arrangement for  XXXX ,  XXXX , and  XXXX . When I called to ask them not to call my references, rep advised me that they would continue when they could not get a hold of me. I advised her that if I ask her not to call she should notgoing forward. Instead of listening rep was argumentative the entire time even though I had previously made arrangements and then told me " well you are driving around in a car you are not paying for and we need to know where our car is ''. I asked rep if they had a centralized complaint line so the I could voice my concern but she said no. They are a huge company, very surprised they do not have a department that services complaints or compliments. Everything I said to the rep, she had to counter with something and made me feel like my vehicle with the subtle comments she made. Today  XXXX / XXXX /  XXXX  , I have again received another call  from Honda ev en though I have payment arrangements set up on my account for  XXXX  when I get paid. I have saved the voicemail and am looking in to contacting an attorney as in the voicemail that is also generic and does n't list my name, the rep asked for a callback so I can let her know my intentions with my vehicle. That to me is another subtle hint of reposse ssion from Honda. I h ave had  XXXX  loans with  Honda  but after this loan I will not do business with them ever again and will not refer them to anyone either. I feel that they are violating the Fdcpa. Also if listening from just rep end, you would n't have realized that I said up arrangements on my account.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

My mortgage is with United Wholesale Mortgage. currently my taxes and insurance are impounded and paid by United Wholesale Mortgage. The disbursed a total of {$8800.00} from my escrow account to pay my XXXX XXXX County Tax bill. This money has not been received by XXXX XXXX County and I've been charged penalties of hundreds of dollars because of this. Not only have I received penalties for the non payment of my property tax I've also lost my interest rate while trying to refinance my loan. I've been calling United Wholesale Mortgage for over a month and they have no resolve. I also sent them a copy of my delinquent tax bill. These taxes were due months ago and I really need a resolution. I don't pay my bills late and this has caused me a great deal of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Glitch that happened is not my problem that TransUnion had and not mine. As you can see this is a case of something TransUnion has done. This glitch caused my inquiries to be deleted and TransUnion later added all   XXXX   back to my credit report withing giving me without giving me a five day written notice as required by law.     TransUnion added  XXXX  inquiries to my credit report without notifying me at all. The   XXXX     inquiries TransUnion added are  XXXX ,  XXXX , and  XXXX . I have called TransUnion twice on the phone regarding this, and for them to remove these   XXXX   injuries that they illegally added on good faith. The first time I spoke  XXXX  from the United States on   XX/XX/XXXX   around   XXXX   XXXX   and was told that the inquiries are not part of the glitch that TransUnion had. That nothing can be done. On  XX/XX/XXXX  spoke to  XXXX  from the United States around   XXXX   XXXX    and  XXXX  told me I have to submit proof that these  XXXX  inquiries were illegal added. I told her I do not need to submit proof of something that TransUnion illegal added. I said that you did not notify me in any type of way, and I know you have to notify me within five days. That these accounts need to be removed. After that  XXXX  hung up on. Both of these representatives from the United States only gave me their first name, and I asked for last name, badge number, or something and I was told by  XXXX  that they are only allowed to give their first names.             These are the   XXXX   inquiries :   XXXX   -    XX/XX/XXXX      XXXX   -    XX/XX/XXXX     XXXX   -  XX/XX/XXXX
Product: Bank account or service

I made a withdrawal for {$400.00} using my Chase Bank ATM debit card on XXXX XXXX at a local ATM machine and only received {$160.00}. I filed a complaint with Chase Bank on the very same day and was told I would recieve a temporary credit within 12 hours. Twelve hours passed and I received no credit so I call back and was told to wait until the end of that business day or in the morning. I waited as was instructed and was still never given my credit. I was then told to wait 48 hours and still never received my credit. Afterwards I called and was told there was an error concerning my temporary credit and that 's why it 's taking so long and I would have to wait another 48 hours. It 's been 2 weeks now and I 've still yet to relieve my {$240.00} credit. To make matters worse my account is now $ XXXX due to overdraft fees because of this. I barely make above minimum wage and I have XXXX XXXX XXXX XXXX. To hold my bank account hostage like this especially during the holidays is atrocious. My direct deposit is supposed to hit in 2 days and I 'm going to be $ XXXX. I have a child to support and I need every penny I 've rightfully earned.
Product: Debt collection

I found this company to be reporting XXXX frivolous debts on my credit report, hence on XXXX XXXX, I sent this company a request to validate the accounts. The company responded back with a bewildering reply, where they failed to provide me with any form of validation and instead asked that I provide them proof of fraud. ( see attached response )
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2021 XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX  Bankruptcy Case Number : XXXX Delete this account.
Product: Checking or savings account

BMO Bank alleges that on XX/XX/2024, there were fraudulent deposits and withdrawals made from my checking account. On XX/XX/2024, BMO withdrew {$11000.00} from my checking account to cover the allegedly fraudulent withdrawals. Despite multiple requests, BMO has refused to provide me with any documentation that the fraudulent withdrawals occurred, and particularly, if they occurred, that they were not the result of bank error. I filed a previous complaint ( # XXXX ) with the CFPB on XX/XX/2024. BMO responded to that complaint in writing on XX/XX/2024, stating they were reimbursing my account {$18000.00}, which they did. As a result, the previous complaint was closed. On XX/XX/2024, BMO reneged on that commitment and withdrew {$9700.00} from my account. Both the BMO withdrawals on XX/XX/XXXX and XX/XX/XXXX caused significant financial hardship for me because I then had insufficient funds in my account to cover checks I had already written.
Product: Checking or savings account

M and t bank will not respond to my requests for termination of my account. Has promised to send me new checks and a debit card but never delivered
Product: Mortgage

My current mortgage servicer, Carrington Mortgage, refuses to remove the Mortgage Insurance from my FHA loan even though I have met all qualifications. Every time I call, they give me a further out date when it will be removed, when that date approaches and it is not remove I call again and they give me a new date of removal. Per my records it should have been removed XX/XX/2019. I have met all qualifications based on when my FHA loan was originated. I have sent written requests with no response and made numerous calls.
Product: Checking or savings account

I am filling a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding navy federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquires, listed as - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Tdbank ( target ) - XXXX ( XXXX XXXX ) - XXXX XXXX
Product: Checking or savings account

The bank has a rule about not being able to withdrawal or swipe your debit card for more than {$500.00} a day within the first 90 days. However the website states that I can request a one time extension to this rule. Yet when I attempted to request this extension to pay my rent the bank told me that I couldn't use this extension because it was the first 90 days. Then proceeded to tell me I need to make three separate withdrawals one three separate days which would of course cost me additional money in ATM fees or money order fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$0.00}