23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My SSI benefits on loaded on the XXXX XXXX  Card issued by the Social Security Office. On XX/XX/2018 I looked on my App on my phone to see if my auto insurance cleared the bank at that time I noticed it had but I also my account was XXXX short. I looked at resent tranactions and notice 8 pending charges that I did not approve, authorize or give permission for. 4 at XXXX, ,Card Purchase to XXXX XXXX and 4 at XXXX to XXXX XXXX international fee. I contacted XXXX   XXXX  on XX/XX/2018 while they was still pending and told them I did not authorize those charges or do I know what they are. I told them non of my bills had been paid and this wiped out my account. I was crying and very upset cause I am very careful about my card. I told them I never use my card at any outside ATM or let people use my card and I keep my card with me at all times. I have never given any information about my card to anyone. I was told to call back after they cleared my account. On XX/XX/2018 I called back as they had cleared my account and spoke with level 2 and I explained the above information to her. She canceled my card and wanted me to pay XXXX to send my card fast..I told her I had very little money in my account to spend so now your wanting XXXX when I was just robbed of XXXX, I told her to send it regular mail. Then I asked when will I get my money back that I have bills and medicine and food to buy and would like to get my grand kids a XXXX gift. She said she would send the paper work to dispute the charges and I have 10 days to fill it out and send it back. I have not received any papers and from what I read this has been a issue with XXXX  XXXX. My understanding my XXXX  card is protected by Regulation E and I must get the paperwork in but if XXXX   XXXX  does not do there job to get the paperwork to me and get it to the bank then it falls back on me as not getting the information in on time. I then again called and every time you call it tells you that your card has been sent and hangs up on you. I really need my money I have bills to pay and they charge late fees that in the end I will have to pay. I asked XXXX  XXXX  to stop the payments when they was pending and they said they could not. Basically we who are on XXXX have to wait on XXXX  XXXX  to get anything done related to our money and if we can not reach them to find out anything or they refuse to give you the money back you are still dealing with XXXX   XXXX. Look at my history and my bills always gets paid. I do not make high purchases like that and I would not do it back to back purchase knowing I have other responsibilities. This are fraudulent purchases using my account. Those are not my charges and I want A IMMEDIATE PROVISIONAL CREDIT PER REGULATION E ... 
I was given this Number when I called XXXX  XXXX about the fraudulent charges I giess it is attached to the case XXXX//From complaints I have read recent about XXXX   XXXX this has been a issue lately with Fraud to other peoples card and XXXX  XXXX is not giving people back there money
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute and Intent to Pursue Legal Action Under 15 U.S.C. 1681m Dear Experian, I am writing to formally dispute several inaccuracies on my credit report and to notify you of your obligations under 15 U.S.C. 1681m. Despite my previous attempts to rectify these issues, they remain unresolved. As such, I am considering pursuing legal action to seek damages for your non-compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified the following issues on my credit report : 1. Incorrect Addresses : My credit report contains old addresses that do not belong to me. I have previously requested that these addresses be removed, yet they remain on my report.

2. Unauthorized Selling of Information : It has come to my attention that my personal information has been sold to other creditors without my consent.

3. Closed Accounts : Despite my requests, you have refused to remove closed accounts from my credit report 4. Reporting of Charged-Off Debts : It is my understanding that charged-off debts that have been sold should no longer be reported on my credit report. However, these debts continue to appear on my report.

Under 15 U.S.C. 1681m, you are required to ensure the accuracy of the information you report. Failure to comply with these requirements can result in liability for damages, including statutory damages of up to {$1000.00} per violation, actual damages, costs, and attorneys ' fees.

I am requesting the following actions : 5. Removal of Incorrect Addresses : Please remove any addresses from my credit report that are not associated with my current or previous residences.

6. Cessation of Unauthorized Information Sales : Immediately cease selling my personal information to third parties without my explicit consent.

7. Removal of Closed Accounts : Remove all closed accounts that are inaccurately reported or have been previously requested for removal.

8. Verification and Removal of Charged-Off Debts : Provide verification of any charged-off debts that you continue to report. If these debts have been sold, they must be removed from my credit report.
Product: Mortgage

My husband and I sold our house on XX/XX/XXXX. Our attorney cut a check to Quicken LoansXXXX Mortgage for the payoff balance that we were quoted. Then the perfect storm hit. The mortgage company took money out of Escrow on XX/XX/XXXX to pay the homeowners insurance company, XXXX, which left a balance on the account that we didnt find out about until yesterday from our attorney. After calling and speaking with Quicken Loans and them advising us they have already sent the payment to XXXX and cant recall/void the check because it was for other customers as well. I called XXXX yesterday and they advised they do not have the payment yet. I called Quicken Loans again today to be told we have to pay the {$1000.00} or we are going to default on the loan, even though they are going to get more than that back from XXXX as they are going to reject the payment because the policy is cancelled. We are being charged {$30.00} dollars a day in interest since last Friday and they arent willing to do anything to help us. Can you help me? I dont feel that I should have to pay {$1000.00} up front plus the interest from Friday-today out of my pocket when they are going to get more than that back from XXXX. I dont know what else to do other than come up with the money and wait for a refund, but that doesnt seem to be fair.
Product: Payday loan

I did n't pay my loan on time I try going back to the office Advance America to pay and they did n't took my payment now there calling my job they call my phone every day they talk to my supervisor and they told me there taking me to court I 'm a single mom of XXXX kids my rent is really high and I ca n't pay what their asking I try to make a plan arregement but they denied it I 'm really stress out please help
Product: Mortgage

I overpaid my escrow account throughout XX/XX/XXXX, when I bought my house. USBank noted this in XXXX XXXX and sent me a check, which I never received. On XXXX XXXX, XXXX I received a notice that my refund check of {$680.00} still was not cashed, and to cash it if I could. I called US Bank and told them I never received the initial check. They told me they had to charge me {$15.00} re-issue fee in order to re-issue the check I never received. They charged me even after I told them that I refused to pay the fee and took it out of the refund amount.
Product: Debt collection

On XX/XX/2023 I received notice that a local attorney, XXXX XXXX XXXX sent my employer a notice that they attend to garnish my wages for a credit card. They state they have filed a judgment against me for the amount of {$5100.00} on behalf of a creditor I never even heard of named ONE ADVANTAGE, LLC. When I contacted the attorney 's office they refused to give me the credit information. I was never notified of any court proceedings and the law office used the court to enter an illegal judgment against me for this outrageous sum. 

I have never had a credit card with a credit limit of more than {$600.00}. Even with interest and attorney fees it never should total this amount. One Advantage, LLC or the attorneys at XXXX XXXX are using the courts to saddle consumers with usery and inflated totals to saddle consumers with debt that is XXXX the original balance. This illegal and unethical debt collection practice is flagrant and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and also to the collector MIDLANDCRE regarding the account in question. They are reporting this account as an open account and reporting the payment history as " OK '' in the history section. however in the account status they are reporting this as derogatory account/ collection account. I was trying to investigate this account but there is not an original creditor listed for me to reach out to to validate this debt. Please have this account removed as it is hindering my credit and i cant validate this.
Product: Checking or savings account

due to covid 19 I had called td bank to close my account back in XXXX of 2020 but there was some founds that was never deposited in my account. I was advised not to worry that they were going to fix it and take care of the situation. this went on for months and kept getting charged all kinds of fees. I finally got a hold of a lady that realized what was going on and she finally got me to the right person and they closed the account. but went I asked them to refund me for all the charges I accrud due to there mistake they told me they could only go back two months. If I did that to td I would have the fib at my door.
Product: Mortgage

XXXX-18 : PHH Mortgage Services attempted to make a phone payment. in order to do this, they required I verbally record my voice agreeing to legal terms not on this company 's website - unreasonable tried to make payment on website - couldn't login. requested password reminder. after 16 minutes, received a reset. after 3 attempts it did not work and locked me out of my account. password requirements were excessive : " Your password should have 8-14 characters including at least 3 from the  following character types : number, uppercase letter, lowercase letter, special character ; no more than 2 consecutive repeating characters ; can not contain your username, first or last name ; field is case sensitive. " tried to contact technical support. website said they were open until XXXX XXXX, called at XXXX XXXX. recorded answering machine said close at XXXX call back during regular business hours. incorrect hours listed on the company 's website. 

can not make payment on time. got paid today. payment due today. I am blocked from paying this on time. I have been trying for over an hour. There is no way to make this payment after XXXX. I was at work until after XXXX. 

Terrible company to work with. This is not the first time this has happened to me. This is my second complaint for similar problems. Last time, I received a letter from the President saying to use their other website : http : //homeloans.tiaa-cref.org. That site has as many problems if not more. I was also offered the ability to make phone payments at the discounted rate of {$7.00} a payment. Crooks! 

I log into 10 websites a month to make payments. This is the only unethical company that blocks me again and again from being able to login, and then charges me for paying late.
Product: Credit card or prepaid card

On XXXX XXXX, 2023 I went to Lowes to look at purchasing a Lawn Mower. When I was at checkout the cashier suggested I apply for a credit card and Id get around {$100.00} off of the items I was buying, including a lawn mower. After entering my information the cashier said she got a message they couldnt complete the transaction and they would follow up via mail with the credit decision, which sounded odd to me. Ultimately I received an adverse action notice in the mail. It stated I was declined as the credit reporting agencies indicated I was deceased. I immediately ordered credit reports from all three reporting agencies and none of the showed me as deceaseds I contract Syncrony Bank, the institution who rendered the credit decision and sent me the adverse action letter. I noted that Synchrony had pulled my credit, there is an inquiry from them on my reports. They said that my social security number was off by one digit which caused the issues. My problem is that they pulled my credit, they had to have the proper information to do that. Why would they send me an adverse action thats says I am deceased? When I questioned the rep from asynchrony they suggested I return to the store where I submitted my application and ask to resubmit it with correct social security number. The problem I have is they sent me a totally bogus adverse action reason to decline my request. When questioned about the fact that they did see my credit report and that I knew sending invalid reasons for declining an application is a violation of regulations, they shrugged it off and sent me back to the store. I want my credit report inquiry removed since they didnt use that information anyway. I dont want their card at this point as I dont trust the organization making the credit decisions. I also want them addressed on violating federal regulations related to consumer credit and with how non-caring the rep, and a supervision as I asked to speak with a super visor during my call to Synchrony, it appears they dont see any issue with what this experience was for me, the consumer..
Product: Credit card or prepaid card

I made a payment to my Bank of America credit card using my XXXX checking account. The only to do that with Bank of America online is through their Bill Pay, it required adding XXXX into the list of accounts saved with Bank of America. I did that and validated the account. 
When I came to make a payment on Bank of America website and selected the XXXX account to pay from, Bank of America reverted to using the Bank of America checking account even though I selected XXXX. That caused my Bank of America checking account to reach a negative balance and I was charged a {$35.00} fee. 
When calling Bank of America on XX/XX/2020, they transferred my call between 5 different representatives over an hour on the phone and the last one just hung up on me, the fee was not refunded, and the payment was not properly reversed
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX aa person name XXXX XXXX went to my online wellsfargo bank and set up a e-bill to be sent to XXXX XXXX and XXXX each {$1500.00}. I have proof of payment sent and it clearly shows her name as client but used my checking account with the e-bill. I noticed this right away on XX/XX/XXXX as Wells Fargo sent me an email the two ebills were sent. I called right away to the fraud dept and informed them of this to file a claim. Now on XX/XX/XXXX I was informed my two claims have been denied as they feel it was NOT FRAUD. How can they do this. My name is NOT on the e-bill. Isnt this a clue. I am asking for some help in this matter. If you need to call me I will be more than happy to give me peoples name I have spoken too. Which Is a lot of people Please see attached proof of payment sent
Product: Checking or savings account

On XX/XX/2022 Navy Federal decided to take {$440.00} which was all of the money in my account to pay a car note that I was 9 days behind on. I did not authorize Navy Federal to take the fund out of my account leaving me at a XXXX balance. This also caused my Navy Federal credit card to become late because I had a scheduled payment coming out the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent Equifax and XXXX  a letter XX/XX/2020 disputing the negative items reporting on my credit report that is hurting my score and causing my great grief by not acquiring anything. Its old accounts that still reporting more than 7 years, which is a violation and the rest are inaccurate and incomplete.I have left you a copy below with proof
Product: Credit reporting or other personal consumer reports

I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft XXXX XXXX XXXX XXXXXXXX These companies are also reporting inaccurate information across all 3 bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I have filed the same report several times. Nothing is ever done. All of the notes are on my file. 
Basically on XX/XX/XXXX of XXXX I came in and took {$3000.00} off my line of credit. 
In XXXX, Bank from Pnc called me set up a review not once but twice. I miss both of those appointments and the next time I went to use my line of credit in XX/XX/XXXX it was closed. According to PNC, PNC closed it on XX/XX/XXXX. So why would a personal banker be calling me and scheduling reviews for me when I have no other services with Pnc except for a line of credit which, according to you guys was closed in XXXX???????????? I have the emails from the personal banker. After filing XXXX report, PNC Is being dishonest by saying that my credit score dropped in XX/XX/XXXX. But it didnt. I pulled my credit from XX/XX/XXXX, so Pnc is being dishonest. I have all of the documents and I have filed every time I filed these reports and nothing is ever done!!!!! Pnc wants me to submit all of my information into a department that doesnt have anyone that works there. Why would I submit paperwork to a reinstatement office when my credit score is lower than when you closed my HELOC bc my credit SCORE DROPPED XXXX POINTS When Pnc closed my line of credit abruptly and for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX : {$34000.00} ; XXXX XXXX  XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO
STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting

Our state put a tax lien on our credit report, however the tax issued resolved and they a issued us a Judgment satisfied letter, which we sent to all XXXX credit bureau -- XXXX and XXXX both accepted. However when I contacted Equifax I was told my judgment satisfied letter we sent, was not for my tax lien, I try to explain this to the representative and her supervisor and i asked to speak with their manager which never got on the phone, they would not accept the letter I mailed to them. I tried explaining and asking them to look at the totals on my credit report and the letter sent from the Division of Revenue, i was told they had and they are not the same judgments???????.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to Equifax on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XXXXAccount number XXXXXXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( i*promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681 eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii ) the information is, in fact, inaccurate.

Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are in the process of preparing for divorce and he used my information to obtain my credit information. I didn't give him permission and he had no court order.
Product: Debt collection

XXXX XXXX XXXX hired MiraMed Revenue Group, LLC to collect a {$57.00} debt for my young daughter rather than contacting us directly. This week MiraMed has contacted relatives of ours using a robodialer and left personal account information for my daughter on their voicemail. The automated message indicated that the person listening should hang up if they are not the parents because it contains " personal and private '' information ( I do have this recording saved ). The message continued to provide the private information on the voicemail without a prompt for consent ( for example, pressing a key to continue ). ANYONE is able to enter the reference number they provided on MiraMed 's website, mmrgpayment.com, to easily access account information with my childs name, address, debt amount, and medical creditor information. It's like openly handing out a password! Hopefully MiraMed did not contact any other third parties and provide private information about my family because it would be just as easy for them to access this private data. This goes against the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ) as they should not be disclosing private information to third parties. Additionally, I have not yet received any written notification regarding this debt.