23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

https : XXXX called from XXXX and left a message threatening a judgement against me by the end of the day today. They also called my mother - and offered to settle the debt but wouldn't let me pay in person, only over the phone with an email verifying the debt is paid. When I asked to have proof I was paying a real company, they told me that I will be going to court, getting hit on my credit and paying court fees and they will not accept any money from me now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  pulled my rental history. They said I had a collection from an old apartment I had it collection agency is called National Credit system in the amount of {$4800.00}. I checked my credit report. The apartment are trying to collect from a collection agency when they filed a claim with my renters insurance company XXXX. They have paid them in full the amount of {$4800.00} on XX/XX/23. I have all the supporting documents and XXXX XXXX will not accept them. I ran my own renter background check and it came back XXXX XXXX clean. I do not nor have I ever been evicted .This is causing my not to be able to rent an apartment.
Product: Debt collection

XXXX Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address an issue regarding my credit report and a recent payment processing error. I have been a customer with TD Auto since XXXX, and throughout this period, I have consistently paid on time, without any late fees on my credit report. 

Today, I spoke with three representatives, and the last one, XXXX, was able to pull up a call from XX/XX/XXXX, where I made a proactive payment attempt for both XXXX and XXXX. Despite submitting both payments on time, I have experienced repeated delays in payment processing, with the system apologizing for the delay in several instances. 

This error on TD Auto end should not negatively impact my credit history. It is both unethical and illegal for these processing delays to be reflected as late payments on my credit report. I respectfully request that this issue be corrected immediately to ensure my credit history accurately reflects my timely payment history. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  and total card manager XXXX XXXX. He refused to file fraud on identify theft. Claims they dont have a fraud department.
Product: Debt collection

I have never received any communication via email, mail, or phone to validate this debt and therefore dispute this debt against XXXX XXXX XXXX and XXXX. Also, upon further investigation, this company reports multiple ways with the credit bureaus. With XXXX, they report as XXXX XXXX XXXX. However, with XXXX, they report as XXXX XXXX XXXX. In the XXXX of North Carolina, collection agencies are required to be licensed and/or registered with the Secretary of State. XXXX XXXX XXXX is currently under a WITHDRAWN status.
Product: Checking or savings account

On XX/XX/2023 I made a purchase at XXXX and I became occupied with a man standing behind me and I gathered my things and left. I went to the bank and discovered that my debt card was missing. I went back to the XXXX but the card was gone. I went back to the bank to report that it was missing and they told me that some transactions had already been done. A withdrawal from my savings a withdrawal from my checking and a transfer that was completed at a different chase bank ATM. Its not possible that I withdraw money from my accounts at one bank and then completed a transfer at a different bank. The bank is telling me that I withdraw the money from the in bank teller, I told them to review the cameras to prove it was not me. They continue to give me miss information and running me around. They refuse to check cameras and instruct me to go to the police and try to get the money back from the person that stole my card. Thats not likely to happen
Product: Credit reporting, credit repair services, or other personal consumer reports

Box XXXX : XXXX XXXX Department : Remove fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX XXXX and XXXX XXXXl : # XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, 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 is related according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, 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 the 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. 
And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Failure to credit a payment to a borrower 's mortgage loan account as of the date of receipt in violation of 12 CFR 1026.36 ( c ) ( 1 ). 

Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2200.00} This payment should have been credited to : - XX/XX/XXXX payment to principal, interest, escrow, or other charges. in addition, {$170.00} of that amount was to be applied as the additional principal amount. 
Your company failed to credit the payment I made on XX/XX/XXXX as of the date of receipt. This error resulted in an additional over {$43.00} per day in interest that would not have applied to my account. 
Your company did not properly credit the payment that I made on XX/XX/XXXX in the amount of {$2000.00} This payment should have been credited to : XX/XX/XXXX payment to principal, interest, escrow, or other charges. 

Escrow Errors : Failure to refund an escrow account balance as required by 1024.34 ( b ). 

I believe that I am entitled to a refund of excess funds in my escrow account and I have not received them. The insurance has been paid for the year and the total tax liability is less due to the homeowner 's exemption. 

My taxes are $ {$6000.00} without any exemptions as an estimate from county. 
my insurance is {$2300.00} which covers until XX/XX/2023. This is about eight months away. Currently, they are holding over {$5600.00} in my escrow account and continue to deduct {$440.00} per month for the next eight months. 
Please note the following : {$440.00} ( current escrow payment monthly ) x 8 ( months left until homeowners insurance is due ) = {$3500.00} additional by bill due date {$5600.00} ( current balance in an escrow account ) -- -- -- -- -- {$9200.00} in escrow total by the due date... 

Escrow payments due ( taxes and insurance ) {$6000.00} taxes rough estimate from county ( not including my homeowners exemption ) {$8400.00} for property insurance -- -- -- -- -- -- -- - {$8400.00} total bills due This is an overage of $ XXXX {$1100.00} once I include the homeowners exemption. 

Fee Errors : Imposition of a fee or charge that the servicer lacks a reasonable basis to impose upon the borrower. 

Your company incorrectly imposed a late fee on XX/XX/XXXX in the amount of {$75.00}. My XXXX payment was not late, it was sitting in your reserve account from my payment on XX/XX/XXXX that was not applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company is not in accordance with 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. 

Company : XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Checking or savings account

I disputed a fraud charge on my account with Chime and told them someone hacked my account on XXXX XXXX to send themselves {$400.00}. I sent in THREE DISPUTES THREEE!!! These people didnt investigate the case and they just denied the claim without sending in a reason and now its been a whole month and I didnt even receive a provisional credit. When I spoke to the 3rd representative about it they said they misclassified my claim and THATS WHY I WAS DENIED???? How is it my fault that you guys DIDN'T TAKE THE steps to provide me the proper justice happening to account. After my first claim was denied I ask them to send me a reason for the denial. THEY STILL HAVE NOT SENT ME THE REASON and its been 30 days. I cant even file a police report and this case has now been taken to the FBI because the scammer was a huge scammer. They need to reopen my case immediately or I will be pursuing LEGAL ACTION against Chime. They have violated my rights and Im not going to let them.
Product: Debt collection

I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

PHOENIX FINANCIAL SERV # XXXX
Product: Checking or savings account

On XX/XX/2020, I received a refund from XXXX XXXX with two separate transactions of {$20.00} and {$32.00}. However, the XXXX Fraud Department declined the two refund transaction indicating that there was fraud on the account. Therefore, I reached out to the Fraud Department and Representative XXXX removed the hold on my debit card and stated the funds should reverse back onto my account. However, I do not see them as pending refunds of a total of {$53.00}. 

In addition, I processed two returns of the same transaction for XXXX XXXX for {$16.00}. However, I also do not see this transaction processed as a return either. And I was also promised a {$200.00} Cash Bonus with a first direct deposit of {$500.00} or more before XX/XX/2020. XXXX XXXX told me that I should expect to receive my bonus within two weeks of the first direct deposit. However, I still have not received my {$200.00} cash bonus.
Product: Credit reporting or other personal consumer reports

XXXX shared a false claim to XXXX XXXX, Experian and XXXX Credit service companies that there was a late payment of {$790.00}, when in fact they XXXX, made a mistake in there portal resulting in {$1.00} being received 29 days after being due. There were no late fees added to my account. Theses credit services then violated the Fair credit reporting Act by reporting my credit information without my permission. I have not authorized them to collect, maintain, or report my credit information, and I requested they remove my credit from their database.
Product: Credit reporting or other personal consumer reports

TRANS UNION IS REPORTING INCORRECT INFORMATION ON MY CONSUMER FILE. MY XXXX XXXX XXXX CREDIT CARD AND XXXX CREDIT CARD BOTH SHOW INCORRECT BALANCES AS WELL AS CREDIT USAGE. THE BALANCE ON THE XXXXXXXX XXXX XXXX CARD IS {$3.00} AND THE BALANCE ON THE XXXX CREDIT CARD IS {$3.00}. THE USAGE IS SHOWING XXXX XXXX. THIS INFORMATION IS INACCURATE AND I AM UPLOADING DOCUMENTS AS PROOF.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act the following accounts have committed violations... 

XXXX XXXX XXXX XXXX XXXX ( {$5500.00} ) -XXXX XXXX  # XXXX -XXXX XXXX # XXXX 15USC 1681 section 602A states I have a right to privacy 15USC 1681 section 604A section 2 states consumer reporting agency can not furnish an account without my written instruction and/or consent.
Product: Credit card or prepaid card

I am in a process of buying a house decided to pay off my credit cards synchrony bank issue about several of them had them going on 3 years after I paid them off in full synchrony bank decided to closed them down all at once. with any warning no reason. call and spoke to them they was overly rude. and just kept telling me they are not obligated to tell me why they closed all of my account at once. I never once been late they said basically its the law for them to do what ever they want with there account
Product: Credit reporting or other personal consumer reports

Specifically under 15 USC 1692c.

I recently discovered that there are several outstanding debts on my credit report, which have been attributed to accounts with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The details of these accounts are as follows : XXXX. XXXX XXXX XXXX : - Amount : {$2900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : - Amount : {$2200.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX : - Amount : {$5900.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Amount : {$6400.00} - Opened : XX/XX/XXXX - Closed : XX/XX/XXXX I must clarify that I have no knowledge of these debts, nor have I authorized anyone to open accounts on my behalf. Furthermore, I have never conducted business with these creditors or incurred any debts with them. 
Under 15 USC 1692c of the FDCPA, debt collectors are prohibited from communicating with third parties about a consumer 's debt without the consumer 's consent, except under specific circumstances. Given that these debts have been charged off and are no longer active, I am concerned that my rights under this statute have been violated, as I have not authorized any communication regarding these debts.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the situation. Specifically, I ask that you work with the relevant creditors to remove these erroneous and unauthorized debts from my credit report as soon as possible.

I appreciate your attention to this matter and look forward to your prompt response. Please feel free to contact me if you require any further information or documentation regarding this issue. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts appeared to my credit report and I do not know who these accounts belong to : XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX My daughter and I entered a local Chase branch to cash and life insurance inheritance check which was drawn on Chase. We were told that they were unable to cash the check due to the amount. The branch assistant manager then directed my daughter to sign the check over to me and for us to deposit it into my chase account. Fast forward my account was flagged for fraud, and they will not release my daughters funds. They have a phone verification process through which they want to use to verify my daughter so we went and got her a phone in her name. The phone comes back unverifiable because the tool is used to match public records or accounts to my daughter and that number. My daughter turned 18 14 days ago, so she has no public records, credit, accounts or anything. We were told that she can't verify in the branch because she isn't a minor. The branch assistant manager called the " back office '' o our behalf stating that she directed my daughter to sign the check over to me and for me to make the deposit and that she id verified my daughter and I and that it was not a case of fraud. They still would not release my daughters funds to us. The branch head manager called as well with no luck. We are still coping with her father 's death and on top of that were fighting for her funds that is unjustly being held. Please help resolve this issue and get my daughter her funds. The funds have cleared, their employees are calling on my behalf and it still isn't enough. I have emailed any and eveyrone in the company that i could and spoke with a lot of customer service reps.
Product: Debt collection

XXXX did not investigate thoroughly because they would have seen the amount from Columbia debt recovery being reported is inaccurate I requested in dispute for experian to delete from credit report which was not done proof documentation was sent to experian that the balance was false inaccurate information, which has since effected my credit report XXXX did not investigate and remove or correct documentation was send the amount was not owed experience remain to keep this inaccurate information on my report My credit report stating XXXX from this debt collector was is incorrect
Product: Checking or savings account

On XX/XX/2023 I went too XXXX to pay my bills, I went to the Citizens ATM they have in their store to withdraw my funds {$300.00} Dollars because I can't pay with card I needed cash, I do admit getting distracted by a text on my phone during this transaction and in my defense I never knew about the security alert on the ATM I never had a issue with withdrawing funds but then again I never used this ATM before. When I went too grab my funds the ATM Retracted my {$300.00} Dollars back in the ATM, The CVS Cashier told me about the Security Alert time limit for every transaction done on the ATM, I asked for a Manager when the Manager came she told me to contact the ATM Merchant by phone because they couldn't do anything because that's not their ATM, When I contacted the Citizens ATM Merchant I provided him with a Terminal number XXXX so he was able to find the transaction on his side, when he returned to the phone he filed a claim for me XXXX then told me to contact my bank and file a Regulation E Claim, upon contacting my bank ( Chime ) I was told that I have too wait until the Transaction is no longer pending before I can file a claim, so I waited and still checked everyday on Chime too see when the pending would be dropped off and hoping that my funds would just return to my account and everything could be resolved but that didn't happen instead on XX/XX/2023 when checking my Chime account the pending indeed had dropped off but my funds did not return so I contacted Chime support Team and let them know of my situation and then the agent filed the claim XXXX and told me about the credit within 10 days if the investigation was not completed but I was denied within a couple of hours on the same day I filed the claim at this point I was confused and upset with Chime so I contacted the Chime Support Team back and the Agent filed a Rebuttal claim XXXX and then I contacted the ATM Merchant too see what happened on their end and they couldn't understand how I was denied and asked for the denial letter and the documentation that led to the decision on the denial of giving me my funds back and I sent over everything I had on my end but that was not the documentation on why I was denied so I contacted Chime Support Team again to retrieve these documents repeatedly on XXXX XXXX, XXXX XXXX, and XXXX XXXX and made a request for the documentation on the detailed decision that led to why I was denied and was told by the agents I spoke with that the indeed submitted these request to the Investigation team and I should receive an email of the detailed documentation on their decision to deny me my funds in a couple of hours and I never received these documents at all so now I am filing a claim with CFBP.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( 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.
Product: Student loan

This is still an issue. I requested payments made to XXXX to be refunded to me under COVID reimbursement laws for borrowers in XXXX of XXXX. The payments were made in XXXX of XXXX & XXXX of XXXX for a total of {$2000.00}. XXXX has still failed to process my reimbursement as requested for going on 7 month. Today I logged into my account and they applied the {$2000.00} to my loan instead of reimbursing me as requested month after month after month. They've misappropriated funds and even told the CFPB that they mailed me checks repeatedly. Clearly they did not because they now have somehow rectified in accounting error and applied the funds that I have asked to be reimbursed. Now they are telling me that I'm beyond the threshold of the allowable date to get the reimbursement of payments made. My requests were made multiple times by phone and in writing from XX/XX/XXXX until present. My loan amount was {$5500.00}. The attached show that they have applied the payments to my account but only on the Department of Education site account. On the XXXX account site they still show I owe {$5500.00}! They applied them, took them away when I requested the {$2000.00} refund, and then applied them again but only to the Department of Education??!! This is crazy and probably illegal since they have accounting reporting requirements. They've lied to me, lied to the CFPB about sending me checks and still have not processed anything. What is going on?
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, these incorrect address remain listed : This incorrect address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts are not complete and accurate. 
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  And one more thing according to 15 USC 1681s-2 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.