23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt collector called. Explained his reason for calling. I told him why I thought this call should not have been placed to me. He then became combative, told me that if I dont have a home or apartment I will not be getting one. Told me he had my social security number. I told him he was very combative and was not letting me get a word in, he then praised himself for doing so and then told me to breathe when I became upset ( a micro aggression ) I asked him to not speak to me in that way and that he needed to allow me to speak. I told him I will get a lawyer, he told me that I can waste my money on that if I want. I then hung up, called back and asked to speak to his supervisor. I told her what happened. She did not address my complaint, instead she spoke of the debt. I explained to her why I didnt think I was a party on this complaint. She also became combative after I explained my position on this complaint. 
Agent 1 name is : XXXX XXXX XXXX : XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX while banking with Chime I was the victim of fraud. A hacker posing to be with XXXX and claiming to fix my unauthorized charges. The hacker ended up withdrawing {$800.00} from my bank account through Chime. I immediately contacted a Woman from Chime Member Services to tell her what happened. She told me to fill out Customer Affidavit of Erroneous Transfer and fax it back to the claims department. I did so right away, I also included the phone number of the hacker as well as my account details showing where he took the money out put it back in and then removed the money. After a week I hadn't heard back from Chime so I contacted them through messaging through my bank app. I received a response that it was being reviewed and I would be contacted within 10 business days. On XX/XX/XXXX Chime closed my account without any further communication.I reached out to them by phone and my call went to a voice recording stating my phone number was associated with a closed account. I could not access my app. So I reached out this time through email asking why my account was suddenly closed 14 days after the fraud incident with no communication. Also on XX/XX/XXXX my only form of income my NYS unemployment payment had gone into my bank account a day earlier than the always Wednesday payment date. After my account was closed I immediately changed my form of deposit to another banking source. Unaware that my check had already been deposited into my now closed account, I gave NYS Unemployment the 5 days to make the change over. However this past week I received my current payment, and contacted NYS Unemployment who stated it was released on XX/XX/XXXX to the Chime account. I have received no answers from Chime about any of this, not the fraud, where any of my money is. Then lastly, today I was contacted by my internet provider stating that yesterday my payment to them of {$260.00} that I paid through my Chime checking account on XX/XX/XXXX to an agent over the phone was returned to them yesterday XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I do not recognize the following inquiries 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

Capital One offered a great opportunity for a CD. Offer was 5 % APR for 9 month term. I opened the account on XX/XX/XXXX and requested a transfer from XXXX of {$190000.00} to fund this CD. CD was never funded and I have no idea why. Ive contacted them several times. Was told they have had a lot of issues opening these account and that they would look into it, give them 30 business days and they would have an answer. Yesterday, XX/XX/XXXX was 30 days. I called today and they still have no answer as to why the funds transfer did not complete. They have no answers and will escalate yet again. In the meantime my brother opened a CD and has earned $ XXXX. Ive lost out on interest because of their issues. Not right for them to offer and not fulfill. 
Account states initial deposit of {$190000.00}. See picture below. Balance now states XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ACCOUNT listed below is still reporting onmy credit report which is a violation of FCRA. The Experian Bureau failed to comply with FairCredit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed toproperly investigate the matter by using a third party as their verification provider and havecontinued reporting the unconfirmed & unverified information. Given all my attempts toaddress it directly with EXPERIAN CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please removethe account below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Equifax is the only remaining credit bureau that is reflecting an erroneous account after I have requested it be removed several times via phone and XXXX Mail. XXXX and XXXX have both completed their investigations in a timely manner and have since removed the unverifiable account. 

I am requesting that this erroneous information be removed from my credit profile immediately. As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. I have not to have any disputes on my profile and I am continuing to have to deal with this unnecessary negative changes to to credit report. 

To date, I have not received a reply from Equifax and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with Equifax and have yet to receive a response within a reasonable amount of time.
Product: Debt collection

Diversified Consultants Placed item on my account in reference to XXXX. This account is not mines. Submitted documents to XXXX XXXX department and received no feedback. Requesting total removal from all three credit bureaus.
Product: Credit card

I have three credit cards with Citibank. 
I have been paying $ XXXX {$100.00} by auto payment each month. 


Citibank is claiming that in the middle of XXXX, I changed my auto payment on my XXXX XXXX card ( ending in XXXX ) from {$100.00} which it has been for some time, to balance in full. I did not do this, because I am unemployed and am just scraping by right now. 
Last night, they took {$1600.00} out of my XXXX XXXX account, leaving me ~ {$30.00} to pay all of the rest of my bills for the month. This is a disaster. 
I called Citibank. " Nothing '' they can do to return the money. They are sticking to their story that I authorized it. 
XXXX said I " may '' be able to dispute it after it finished clearing this evening. But, I can't hold my breath. They may dispute it with Citibank, but Citibank will likely continue to refuse to do anything. 

I believe that Citibank has some underhanded practices going on. I have a 99.9 % ontime payment history. Yet, in the last 1-2 years, they reduced my available credit on this same card by {$6000.00}, out of the blue -- which clearly hurt my debt to credit available ratio. ) Please help if you can, as I don't have enough money to pay my bills now.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), PNC FINANCIAL SERVICES is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, XXXX, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of PNC FINANCIAL SERVICES with whom I have a direct relationship. They are separate entities from PNC FINANCIAL SERVICES that provides my financial information. They ARE NOT jointly employed by PNC FINANCIAL SERVICES with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with XXXX, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that PNC FINANCIAL SERVICES complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship.

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by PNC FINANCIAL SERVICES do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of PNC FINANCIAL SERVICES internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
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. List of Unauthorized Inquiries : 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory account on my report that should not be there from XXXX XXXX XXXX  XX/XX/22. That information is inaccurate. I spoke to XXXX XXXX when this situation first occurred, and they agreed to contact the bureaus and remove the XXXX late payment. they contacted you remove it right after I was notified of the negative remark. the next month my points came back, and I was happy, but the bureaus never removed the remarks. please remove these remarks so that I can try to purchase my dream home, I don't want these remarks to negatively affect the image of my credit worthiness
Product: Mortgage

I have been paying my mortgage on time every month for over 20 years. On XX/XX/XXXX I mailed in enough money to apply to the principal balance and pay off the loan. I received the check back on XX/XX/2021 with a note saying the payoff amount had to be in certified funds. I called and they told me they would fax or mail a payoff statement to me but they would not give me the information over the phone or email. Then they explained they took several days to process payoffs so it would be best to add a week of interest to the payoff. My biggest issue is after reading the Payment coupon I receive every month there is absolutely nothing that says a final check that pays off a loan has to be in the form of certified funds. It took forever to get hold of someone at PHH Mortgage Services and they were not very helpful. I get it, they just want to hold off the receipt of funds as long as they can so they can make interest. I hope someone at the CFPB will look into this and get back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters to Experian to have addresses that are NOT mine & have never lived at removed from my credit report because, by law, incorrect items must be removed. But they will not investigate these addresses & remove them. All they have done was sent stall letters to me claiming that i am using a credit repair company when this isn't true. I have requested this multi of times only for them to send the same email claiming false information. 

All these are the times they replied back to my letter. Never opening an investigation. 

XXXX XXXX - XX/XX/XXXX Second Letter - XX/XX/XXXX Third Letter XXXX XXXX XXXX XXXX
Product: Mortgage

Although Specialized Loan Servicing responded to my request of the escrow analysis, the company failed to give a detailed explanation of the payment history as well as the escrow, insurance and tax payments. 
This is essentially why I am submitting a SECOND complaint against them. Prior to this complaint, I submitted a letter requesting that the company should give a detailed explanation of why I was put in forced escrow. The company has also to stated I did not have a homeowner 's policy on the home in which I have coverage from 2012 to present day. It is stated that I was put in forced escrow, which has been a part of the delay in proving the correct escrow analysis and payment history. 

I have documentation of both my request for information as well as their response.
Product: Credit card or prepaid card

I went on a family vacation to XXXX  XXXX, XXXX on XXXX XXXX to XX/XX/2019. I booked it through American Express Travel in XX/XX/2019. When booking, I saw a deal on the fine hotel and collections section of the the travel benefits and booked through the vacation. It was presented to me on the website that I can stay at the XXXX-XXXX Hotel in XXXX XXXX for 6 night with 3 people. 1 adult and XXXX children ages XXXX   and XXXX years-old. The cost was broken down to me as such XXXX for the 6 nights plus XXXX  and additional XXXX Property Fees for (estimated ) taxes and fees. This is estimated total cost of XXXX. I said estimated because as I said before I was told that we I wont know the total fee and taxes until after the stay. Now, before booking I called american and spoke to a Rep who stated that they don't know was the fees are going to be but the taxes are 25% of the hotel daily charges. Ok, I booked thinking I am getting a deal. When I arrived the entire amount was charged for XXXX excluding beverages and activities done at the hotel. I disputed with XXXX while i was checking out, called American Express while I was at the hotel while I was there and they could not give me a accurate breakdown of the charges, but interestingly I was told I was charged an additional adult fee for my daughter who is XXXX  years old, So, it seems to me that American Express advertises for XXXX XXXX a false price misleading their customer in beliving that the fees and taxes may vary but you are pay what they are advertising. The reason I say that I still can't get a breakdown of what the fees were during my stay and the separate taxes despite contacting Amex.  I called Amex and they said that I was sent a letter detailing the resolution which I never received and will be sending out another in 7-10 days. I want to resolve this now its been 2 months. When I call, I have to speak to travel team, the platinum team. and switched among all these department to get what I was told to be one price Plus fees which were to be determine.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. I paid the amount due well before the due date. I have attached bank statements and a payment confirmation that show the payment was processed successfully and on time. 
Furthermore, the account was closed by me in XX/XX/XXXX, and there was no balance owed at the time of closing. The late payment report appears to have been a clerical error in the final account closure process. 
No notifications or warnings were provided to me about a potential late payment, and I received no communication regarding any delinquency. This suggests that the report of a late payment is incorrect and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Carrington Mortgage offered a Forebearance via their website for XX/XX/2022. We chose it. On the website it indicated that Carrington would contact us with next steps. Carrington Mortgage did not follow through. I then received a notice of pre-forclusure. 

I contacted Carrington in XXXX and the agent apologized. We established the payment plan for the next XXXX months. {$3800.00} + {$1200.00}. The {$1.00}, XXXX would be applied towards the XXXX Forebearance amount the next XXXX payments. Carrington Mortgage did not honor the agreement. They applied {$3800.00} to XXXX and {$1200.00} to XXXX and reported a XXXX day late to credit reporting bureaus. They have been unwilling to correct the issue. I have tried.to make payment per the agreement online and via their app. I am not allowed. I must call in.
Product: Credit reporting

I have been actively trying to have the collection account/judgment removed from my credit report from XXXX as I and my wife, XXXX appeared before the judge and the plaintiff did not appear and the Judge ruled in my favor that this matter was a non-suit judgment on the behalf of the defendant ( I, XXXX ). I have sent the Judge 's order to XXXX in support of disputing this item from my credit report and they have since removed it. I have also sent the supporting documentation to XXXX and Experian in XX/XX/2017 and have received correspondence from that they will not remove this fraudulent charge from my credit report. I am requesting your assistance in having them remove this from my and my wife 's credit report as this is seriously affecting our credit and lives. Thank you, XXXX
Product: Debt collection

XXXXXXXX XXXX placed a collection on my XXXX report over a year ago. I disputed that charge since it was an extremely old dead account which HSBC said was uncollectable. It was taken off my report and thought that was the end of it.

On XX/XX/2018 they placed the same account back on my report as a new debt and refuse to take it off.

It is for {$1000.00} I am constantly receiving threatening/harassing phone calls.
Product: Checking or savings account

Ive tried to open a business open with a few banks, and is being told to contact XXXX XXXX and the Chex system. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported For : NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY ; Reported Name : XXXX XXXX Reported Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Reported SSN/ID : XXXX Driver 's License : State : Date of Closure : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XXXX Original Charge Off Amount : {$400.00} Closure Status : UNPAID Closure Status Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : Telephone Number Not Available Reported For : OVERDRAFTS ; REPORT IS DISPUTED BY Date of Closure : CONSUMER ( S ), AND VERIFIED ACCURATE BY FI ; XX/XX/XXXX Reported Name : XXXX XXXX XXXX # : XXXX / Reported Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Charge Off Reported SSN/ID : XXXX Amount : {$64.00} Driver 's License XXXX State : Closure Status : UNPAID Closure Status Date : XX/XX/XXXX