23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/year> and XX/XX/year> and XX/XX/year> and XX/XX/year> The positive amount deposited into my personal bank account is a value of {$860.00} When I went to an ATM and saw an amount for {>= $1,000,000} deposited into my Chase bank account, and the fact that the Chase bank ATM would not allow me to withdraw any amount of my money from my wages or from my income tax returns which had already been deposited into my account with a positive value sum of {$860.00} next the bank ATM showed a negative value of {>= $1,000,000} which is both sums added together ( {$860.00} + {>= $1,000,000} = {>= $1,000,000} ). Next I went to the Chase bank in XXXX XXXX to tell them that there is a problem with my bank account and that I never experienced such a problem before. The branch manager researched the problem for me to discover that somebody else has placed a hold on my bank account that will not allow me to use any of my money which I earned and was already deposited into my bank account. The branch manager asked me if my Mother was deceased. I said no. My Mother was recently placed into a XXXX  through the XXXX XXXX XXXX in XXXX XXXX, XXXX  XXXX XXXX. My bank account is a subaccount of hers because my Mother asked to help me by providing me my own personal bank account so that I can deposit wages, use it for debit purchases for my own benefit. This subaccount associated to multiple accounts belonging to her was established for me roughly XXXX  years ago. All of a sudden, Chase Bank will not allow me to have or use any of my money which amounts to a positive sum of {$860.00} They say my bank account has a hold and is overdrawn because of a federal benefits reclaim alert associated to my elderly Mother 's personal bank accounts which are separate from my personal bank account. In other words, my bank account money is separate from my Mother 's money. 
I believe Chase bank is acting in error by allowing a hold and, or acting as if my account is overdrawn by {>= $1,000,000} or the other figure stated as being {>= $1,000,000} I feel that I am being mistreated and somebody has performed something wrong in error while it has affected me and my finances in a very negative manner. Chase bank has not resolved this matter. They do not know when it may be resolved. During this same time, I am restricted from accessing the money that I have earned from employment and from income tax returns that have been deposited into my personal bank account. I want it fixed now!
Product: Credit card or prepaid card

I tried to redeem my US Bank business credit card cash rewards to my US Bank personal checking account. The system keeps telling me " an unexpected error has occurred. '' I called the number on back of my biz credit card. The agent told me I have the wrong routing number and/or checking account number. I told her that I checked XXXX times already and am 100 % certain I provided the correct info. The agent told me she could not help me and made me contact the checking accounts team. I called them and that agent also told me they could not help me and transferred me back to the biz credit card team. US Bank is giving me the complete runaround here and I am tired of this back and forth nonsense. I have the correct account information, unless US Bank changed this without my knowledge, nor consent.
Product: Debt collection

Americollect Collections Agency located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX and XXXX XXXX XXXX XXXX, WI XXXX, has flagged my credit report several times which has had a negative impact on my credit report and credit rating. I received 100 % charity care for medical services received and have two charity care letters as evidence. Americollect has received this information and continues to try to forward this information to my credit report and then flag it so that my credit rating drops. These unfair business practices are unfair and questionable. Please investigate this issue and resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with Solomon & Solomon PC is showing up on my credit report. I have never heard of this company attempting to collect this debt from me. It shows up on my XXXX report as an open account # XXXX for {$590.00} reported on XXXX and it also shows up on XXXX as a closed account # XXXX reported on XXXX. I have been in the state of Hawaii since XXXX of XXXX so not sure how one is reported open and the other is reported closed in XX/XX/XXXX.
Product: Mortgage

Shellpoint mortgage is a mortgage servicer that my mortgage was transferred to. They are mistreating me repeatedly while Im trying to save my home from foreclosure.

The mortgage servicer failed to honor their promise to work with me on modifications for loans transferred from my prior servicer. They demanded payments before providing loss mitigation options, delayed decisions on any loss mitigation options, and harassed and threatened me now that Im overdue.

I believe their delay of 9 months to respond to me, is due to waiting if I would be approved for XXXX. 
They are demanding 9 months of overdue payments, which is unfair considering I contacted.

them for 1 missed payment.

Because I missed 1 payment, they demanded 2 months plus fees ( an amount I could not afford ), the next month I called to pay.

Ive let them know every month I can make a payment, but they refuse and fail to work with me, because I struggled for 1 month, by prioritizing collecting total overdue.

payments instead.

I DO NOT BELIEVE SHELLPOINT IS COMPLYING WITH THE LAW. I DO NOT BELIEVE FORWARDING THIS COMPLAINT WILL HELP ME, BECAUSE THEY HAVE RECEIVED ONE ALREADY. I DO BELIEVE THEY WILL RETALIATE AGAINST ME IF THIS IS FORWARDED TO THEM. I NEED CFPS TO LOOK INTO THE WAY THEY ARE TREATING ME AND POSSIBLY OTHERS, AND TO DO SOMETHING ABOUT IT. COMPARED TO OTHER CIVIL PENELTY CASES HANDLED BY CFPS, THE SAME VIOLATIONS, IF NOT WORSE, IS HAPPENING TO STRUGGLING BORROWERS WHO WANT TO SAVE THEIR HOMES AND WHO WANT TO MAKE THEIR PAYMENTS, AT SHELLPOINT MORTGAGE SERVICES.
Product: Credit card or prepaid card

On XXXX  XX/XX/XXXX I opened an email from US Bank telling me to activate my credit card account ending in [ 4 digit number ]. The email was time stamped XX/XX/XXXX at XXXXXXXX XXXX and came fro XXXX. I called the number in the email : XXXX XXXX to let them know I had not applied for any credit card with US Bank in the last 18 months. They asked for my social security number and I refused to provide it. They asked for the account number and I gave them the [ 4 digit number ] provided to me in the email. They said they needed the whole account number. I explained I don't have one and asked they look that up with the data they had sent me in the email which was my former name " XXXX XXXX '' and the [ 4 digit number ]. They said they had to have my social security number or the 16 digit credit card number. I refused to provide by social security number. The lady at that number said I would have to call back M-F, XXXX XXXX XXXX XXXX XXXX  CT. Seriously, I asked? I'm trying to report a fraud and you want me to call you tomorrow between XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT?? She got annoyed, was rude and hung up on me. There is an email address in the email to use so I did : XXXX. I emailed them on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received a letter via XXXX providing the same [ 4 digit number ] and REF number : XXXX. This letter has my former name and a former address and says " we are concerned that the information on the application may not be accurate or that you did not apply for this credit card ... '' Provides another phone number XXXX XXXX and says " specialists are available from XXXX XXXX XXXX XXXX XXXX XXXX '' M-F. I called them again on XX/XX/XXXX. They were rude again. I emailed them again. The two emails and their letter are in the attachment.
Product: Payday loan, title loan, or personal loan

America First Finance failed to provide an invoice clearly detailing amounts owed with outstanding balance and failed to clearly identify the type of financing applied for in their marketing. On two phone inquiries, following the mattress purchase when no statement or invoice was received, I was verbally informed that my account balance was {$0.00}. The company drafted my bank account every month since purchasing the mattress, yet increased my balance to a default rate. Further, the company at XXXX XXXX - failed to disclose the rental- purchase terms. It was my understanding that I was applying for product purchase financing not a rent to own agreement. 
When no invoice was received and the company from whom U purchased the mattress went out if business, I assumed administrative delays for the lack of loan disclosure. Never could I have imagined that my account could ever go unto default status with regular monthly payments and no provision of a monthly statement of account. This company 's practices are deceptive and fees are at usury rates.
Product: Prepaid card

The time it takes to receive a lost or stolen card. I reported my card lost and it takes 7-10 days to receive a new card. I am on day 10 and have not received my new card. They have methods to help you get cash from the card, but but I have exhausted those methods such as card to card transfer - {$2500.00} limit ; they have a new system where you need the card to to use it to get the security code off the back. They do not have an expedite system for new cards like many of the other prepaid cards like XXXX. If I were am American Express holder, I would have gotten a new card within 24 hours. Al my bills that depend on my paycheck are behind, i.e. insurance, furniture bill, rent. I can not put gas in my car or food on my table because my funds are tied up in WAITING for a new card. I think this activity is criminal, I think if they are going to offer the service on a card, they should have an expedited method for lost or stolen cards. You call customer service some where in XXXX, they do not have any information they can offer. They have no power or permissions to do anything. It is a ripoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an email to equifax that the car loan with XXXX was paid in full and should not be showing an open balance. I got the run around that I had to send another request to someone else. I think that is hog wash. The ball is still in their ball park. They should have taken the initiative to forward that email to the correct person. They are the ones who have it wrong. I should not have to go through a song and dance with 20 different people. I think these so called credit bureaus have too much power over information that should be more readily available. The account has not been updated since XXXX of 2017 when the account was paid in full. I am trying to get my credit score repaired so I can get a reliable car.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XX/XX/year> SS # To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This is my 3rd attempt at having you delete this inaccurate information. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that these accounts : XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX XXXXXXXX Reported Balance {$9200.00} XXXX XXXX  Account Number XXXX XXXX Reported Balance {$16000.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate. 
15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, 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 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The reporting of these accounts are violations of 15 USC 1681e ( b ) ( 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.

How can you verify inaccurate information? You have violated XXXX Compliance procedures and format for reporting! 
Delete thesw accounts from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX consistently reinserts accounts involved in ID Theft from 2016. This happens. every two months. They will remove the information then reinsert the information without any notification or letter.
Product: Credit reporting or other personal consumer reports

After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. 

Account name : XXXX  Account # XXXX  The date of the late payments - XXXX and XX/XX/year>XXXX  Account name : XXXX  XXXX Account # XXXX - Dates of late payments- XXXX, XXXX and XX/XX/year> I say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Furthermore, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account as immediately.
Product: Debt collection

SUNRISE CREDIT SERVICES ( XXXX XXXXXXXX XXXX ) is a result of identity theft. I recently discovered through my Identity monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

My girlfriend recieved a phone call asking to speak with me, XXXX told my girlfriend she was with account solutions management from a phone number XXXX, the same person left a message on my girlfriends fathers voicemail identifying herself from an attorneys office, after verifying whom i was she informed me that her company purchased a debt from XXXX XXXX XXXX approximately XXXX ( the amount i could not hear exactly ) she says that the other numbers ( my girlfiend and her fathers ) she assumes were listed as points of contact on the original application from XXXX. I have never had any type of account with citi XXXX XXXX, she also said I had been paying on this debt for quite some time, to which I have never made any such payment. I asked her what proof she had that the debt belongs to me, to which her response was " Im not doing your work for you. '' After doing a little due dilligence I discovered I could request a debt validation letter, but in looking up the company name or phone number I could not find any information for them. Calling them back, I requested an address for the company to which a man responded I have to validate who you are, so after verifying my date of birth he became quite unprofessional ignoring my request for the address or request for a debt validation letter, I raised my voice so he could hear me over his own voice as he continued to speak over me. He made a comment regarding oh im just noting the file as to your hostility, stating " Oh we got you now you're on a recorded line! '' It was at this point I disconnected the call. I never got an address to send a certified letter to request a debt validation letter. Looking up the company and phone number yielded no results.
Product: Mortgage

My name is XXXX XXXX I have a mortgage with Citi mortgage account # is XXXX for a house on XXXX XXXX XXXX XXXX md XXXX. 
" We are pursuing a short sale and have a good solid offer close to the lender 's valuation. We have submitted the offer to the bank but they are not responding to our inquiries on the pending value dispute ( we have tried to contact them at least 8 times without response ). We feel as though the lender is acting in bad faith by engaging in lender delay to frustrate the sale. '' We just where trying to do the right thing but feel like citimortgage is not. Please help us look in on this please. XXXX XXXX
Product: Mortgage

My previous servicer, CMC funding sold my loan to another servicer after they knew that I was refinancing the loan. This seems like a very shady business practice and needlessly complicates the refinancing process.
Product: Credit card or prepaid card

Did not fully investigate fraudulent charges and also added insane interest and charges for those fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXXXXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing energy assistance for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.
Product: Mortgage

I was unaware that there was a default rate on the mortgage. My XXXX payment was paid on XX/XX/XXXX and the default rate was applied because the mortgage payment was more than 30 days late according to an addendum in the note if the payment is more than 30 days late. The rate changes from 4.99 % to 18 %. My mortgage is currently past due as of XX/XX/XXXX and I am receiving notices from attorneys for foreclosure.
Product: Credit reporting or other personal consumer reports

After the XXXX XXXX XXXX  breach and XXXX notifying me of what they found on the dark web. I called Equifax to freeze my credit. Under the pressure of trying to do the right thing they quizzed me for 20 minutes to verify my identity. Everything they would need to get into my accounts. They tried to sell me identity protection, which I got unset about. Afterwards they told me I did not need to contact the other XXXX credit bureaus. I found this very strange. I contacted XXXX and XXXX both AI ( no person involved ) I was asked basic questions and told me my account was frozen and in 5 minutes or less I was finished. 

This brought me to checking the reviews on Equifax. The XXXX A+ has to be bogus. I believe that a class action lawsuit would help those people, because I believe them. 

I could not understand the XXXX girl I was talking to and had to call my wife in because I thought it was just me. I got the print out from XXXXXXXX XXXX with the phone numbers for the three bureaus, but still I called Equifax back a second time to get a male XXXX. 

My call which was recorded took place today between XXXX - XXXX. XXXX
Product: Credit card or prepaid card

Hi, Chase closed all my credit card accounts citing too many new accounts : 1 ) I closed several accounts so the absolute number went down compared to 6 month ago 2 ) Chase just approved 2 credit card accounts and now they complain I have to many accounts ( they caused this problem )
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I called them because I needed to Lend {$150.00} for XXXX. I was told that They were only allowed to borrow me a minimum of {$670.00} at an Interest rate of XXXX XXXX. I was told it would be a total of 7 Payments of {$180.00} and the last payment would be taken on XX/XX/XXXX XXXX After this last payment came out I went to the bank and had them put stop payment on any future payments after reading the horror stories. On XX/XX/XXXX I received an email notifying me that they will be taking another payment out of my account. I called Minto Money to ask why they were taking more out of my account. They said that the interest was a Daily Charge and I haven't paid on ANY of the loan at all ... my total balance still Remains plus more interest, and I must have " Misheard '' them because the loan is 840 % interest. I explained that I was told a total of 7 Payments would be taken from me, and the terms discussed were nothing of the sort. They refused me a chance to speak to a supervisor or anyone who can explain why this is happening. I even brought up that Minto Moneys beginning call disclaimer states that they have a recorded line and they have the proof that I didn't agree to those specific terms. They claimed the balance still owed is over {$900.00}, But have since locked me out of the online page to check this " Balance ''. They have since sent me texts everyday and call multiple time daily. I don't know what else to do. I knew I would be paying a high loan at 84.9 %, But i would have NEVER CONSENTED to 840 % interest ... .Especially since I knew I has already going to struggle incredibly hard with {$180.00} already coming out of every paycheck for 7 paydays.
Product: Credit reporting or other personal consumer reports

Incorrect hard inquiries are listed on my report, violating 15 USC 1681c-2. Requesting their immediate removal.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experiea, alleging systemic issues such as failing to forward consumer-prodived evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing outgoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inactive violates federal law and my rights as a consumer.