23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, on XX/XX/18 I wrote a check at my local XXXX for {$45.00}. They said the ck. did not go through ETF so asked me to sign it so they could keep it and run it. I did this and told them to be sure they don't put it through twice on me. That is exactly what happened. On XX/XX/2018 and XX/XX/2018, XXXX ran the exact same check twice. Once ETF and once manually. When this came to my atten. on my back stmt. at the end of the month, I contacted my credit union and they investigated and it was a duplicate debit to my acct. and credited the {$45.00} back to me. XXXX was paid, and the MGR. XXXX, at XXXX, XXXX, Idaho stated we didn't owe them anything. In any event. Telecheck  has put a # 3/high risk code on my checking acct. and it is impossible to now cash checks in the small town I have lived and done business in for 17 years. In the 66 years I have lived, I have NEVER written a bad check. I am now holding up lines and constantly embarrassed anywhere the Telecheck  service is used. I have called them 3 times and talk to people who can barely speak English. I also sent in all my paperwork to an address in XXXX, MD. on XX/XX/18. Please help me get this off my acct. it is making a senior citizens life miserable. Changing the checking acct. won't help either from the other complaints I am reading regarding this Telecheck  company. XXXX is no help in removing this, they don't care about their customers. My husband wants to file a lawsuit which I would really rather not go there. Thank you for listening. 

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

I have disputed the accuracy of an account balance with XXXX/XXXX. 

I CONTACTED BOTH COMPANIES VIA CERTIFIED MAIL and was told they could not find my account after I included my Social security, date of birth and address. 

When I sent my dispute they did not update my account status as disputed. This was Pre-Covid. So theres no excuse for violating my rights under the FDCPA. 

They received a dispute from the Credit reporting agencies. I pointed out to them that the following fields of the account do not match on Experian, XXXX and XXXX reports. 
Date Opened, Date Closed, Date of Last Activity, Date of Last payment, Account Status, and Comments. 

Furthermore the creditor reports " 29 '' CHARGE-OFFS on Experian and XXXX. Every month since XXXX they report a charge-off which is FALSE and unfairly reporting an account status. 

This creditors is aware of the Automatic underwriting process which is critical and necessary that is both accurate, consistent and objective in order for me to apply for credit, car loans, a mortgage and a fair interest rate. 

I gave them multiple chances to correct the information and now this creditor must cease all reporting of this account immediately.
Product: Mortgage

My mortgage company changes my monthly payment without telling me! Although the principal and interest on my account does not change, the company also withholds escrow to pay insurance and property tax -- but they NEVER give me any warning when these amounts change. As a result, my loan amount ( which I pay by automatic deduction ) often goes into arrears. I then have to call the company -- but their customer service people always XXXX up getting the problem fixed. So I usually have to call them XXXX or 4 times to resolve the problem. And then several months later, the problem always returns. This has been going on for years now.
Product: Credit reporting or other personal consumer reports

My account has not been late on payments. Im submitting XXXX late payments and I'm requesting you investigate this account and update these payments to paid on time.This misinformation is negatively affecting my credit score. 
Thank you.
Product: Vehicle loan or lease

I have paid off my loan in XXXX and it isnt reported.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report 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  Balance Owed : {$0.00} XXXX XXXX Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$0.00} 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
Product: Bank account or service

I bank with PNC bank. I have a issue currently with a few transactions which caused my account to go negative and NSF charges that were imposed. What happened during this situation is as follows. I was out of town and knew there was going to be a charge go thru my account next week. I was aware of this so I was very cautious with my spending. To be extra cautious I made sure that when I made any type of charge to the account I checked the balance before hand to make sure the large charge did not come out before it should have so my account would not go negative. I have been told my the service reps at the bank that the processes were in real time so I took that to mean if there was a balance in the account that it would go in the order of the charge. THIS IS NOT WHAT HAPPENED. Although I checked before each and every charge the large charge I knew was coming ( although a week early as I was afraid of happening ) did end up going thru. Now the problem is all those charges that I double checked for a balance they did not process it the way they said it would. PNC processed the large charge first and then all the other small charges afterwards causing XXXX NSF charges. I called the bank and they once again told me that Everything processes in real time. I went back and forth with them and they ended up telling me the balance is just a tool. I was not satisfied with this and the case was elevated to a supervisor. I then received a phone call a few days later and the lady told me that things are not processed in real time. This is a stark contast to what I was told in person at the branch as swell as what the online CSR told me. She went on to tell me things are really processed when the receipts are sent to the bank for payments. Well this makes things impossible to try to fix if there was some type of error on the account. Anyway I feel like the bank was completely dishonest with me on how to try and protect myself against charges. If I would have know in the first place I would have just pulled out cash out of my account and paid with things that way so I did not have several hundred dollars in NSF charges.
Product: Debt collection

Midland credit management has constantly been calling me sending me letters threatening to take me to court if I did not pay this credit card debt. They did actually send me a judgment. My court date is XX/XX/XXXX. I called them on XX/XX/21 at XXXX XXXX. to try and resolve this issue. They said I owed {$1700.00}. I can make a {$210.00} Payment right now and make a {$100.00} every month to pay it off. I asked them if they could lower the XXXX so I could pay it off sooner. They kept saying they couldn't do that. Then came up with an amount of {$1300.00} if I paid it all right now. I explained that people have been out of work thru covid. People haven't been able to pay any bills. Not many people have that much money anymore. I told him I could pay {$210.00} today and make a {$150.00} payments every month until this is paid off the XXXX. XXXX is who I spoke with said no they couldn't do that they have to have {$1700.00}. I didn't understand why they could lessen it down to XXXX. XXXX kept telling me they couldn't let me pay {$1300.00} I had to pay {$1700.00}. The only way I could pay {$1300.00} is if I paid it all in full which of course I can not do. There is really no different in me making payments on {$1300.00} rather than {$1700.00} if I'm trying to pay it. He asked me if I got a covid check. I said yes. I had to pay my other bills with that money and get my bills caught up which is really none of his business. There are people out here that have lost their homes and everything else because of this covid. it has been a very hard year. At least I am trying to pay it. I don't understand why he can't take {$200.00} payment and then a {$150.00} every month until {$1300.00} is paid off. Instead he wants me to pay the {$1700.00} and take me to court. I have tried to work with them and I just do not think it's fair that they XXXX the price up but lower it. That to me is a scam and it just tells me that they can work with me a little bit more. Not everyone has that kind of money. I had to go in debt because 1 the covid and 2 my son who has XXXX has a XXXX  XXXX and has needed a lot of help. It is very hard to deal with a son that has XXXX XXXX XXXX and it's been very difficult for myself. My son has been in several hospitals for this XXXX and it's very stressful. At least I was willing to pay payments on this and pay it off the {$1300.00}. It looks to me like if I'm willing to pay it. they would take what they could get Instead of taking me to court. I was willing to work with them. But they kept telling me they couldn't take any less than {$1700.00} but then turned around and told me that if I paid {$1300.00} they could take that in full. In that case they could let me pay {$1300.00} in payments. that is fare. That's all I can do at this point I do not have that much money.
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX 2021 I have send the payment through the XXXX  for XXXX  XXXX XXXX Mobile app. This was the rent payment I did 5 last years. But at this time the landlord didn't receive the amount of {$1500.00} because the other person was enrolled under his cell number to XXXX. I filled the dispute to XXXX  XXXX XXXX and they declined my requests to return money. But the money was send to completely wrong person and I didn/t know about it.
Product: Checking or savings account

The legal problem I currently have is my wife and I setup a joint account with Bank of America in 2015, but Bank of America closed our account, because I withdrew most of the balance and the account became inactive while we were back in XXXX. I tried to reopen a new account online, and they are refusing me access to sign up online. They are telling me that since I am overseas I am not allowed to sign up an account online, and I must to report to a financial branch in USA. I believe this is against my consumer rights, because as a financial lender, they aren't allowed to be biased regardless of my location. I initially filed a complaint with XXXX XXXX XXXX XXXX in hopes to find a resolution. In response to the XXXX  complaint, a rep from Bank of America 's Consumer Protection sent my mother text messages with confidential information regarding my complaint to my mother 's phone number without my consent. I felt they should first ask me if it's okay to contact me by any specific phone number. My mother sent me a copy of the messages. I called the phone number and extension listed in the text message, and each time I call during their business hours, I can only reach a voice message. I left multiple voice messages requesting them to communicate with me via email, but there was no success.

In addition to the violation of my consumer and confidential rights, Bank of America may also be participating in unfair competition. They have an online promotion of a {$300.00} bonus for users that sign up using their online service. This entices people to choose their bank over other financial services while they are not living up to that promise, because I am being refused access to that service and the bonuses offered therein. 

Bank of America actions are causing damages to me, because I have an XXXX seller business, invest in the stock market, and I need to file IRS taxes. I don't want to fly back to USA just to open a bank account at a financial center while others can use their online service to create accounts.
Product: Credit reporting

On XXXX XXXX 2015 i contacted Experian 's dispute department. I explained that I need to have the statement about calling me to verify new accounts before they are opened removed, because the telephone number on there is not a valid number any more. I was sent a confirmation email with a report number ( XXXX ) and Investigation ID XXXX. The email told me to wait four days for my credit report to be updated and corrected. I contacted them again a few weeks later and received a letter of notification in the mail stating that the statement was deleted. When I contacted XXXX on XXXX XXXX, I was told that the statement is still there and I could not open an account unless I could be contacted at the number on my credit report, which is a number I have not had for years. I called Experian for a third time on XXXX XXXX and was told they would look into it and contact me by Thursday, XXXX XXXX. I still have n't heard anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account name XXXX XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XXXX Status Collection account. {$740.00} past due as of XXXX XXXX

Status updated Feb 2024 Balance {$740.00} Balance updated XXXX Recent payment - Monthly payment - Original balance {$740.00}
Product: Money transfer, virtual currency, or money service

I filed a claim with Bank of America in XXXX and I also filed another claim with them last year in XXXX however they stated they dont have any record of my last claim I filed a claim in XXXX In regards to a {$5000.00} money transfer to XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX In which they never produce a vehicle they never gave the money back they never Try to give the money back at that time I had gotten very ill with XXXX for a long period of time and when I filed the claim with Bank of America They asked why I took so long to file the claim I said because I was sick with XXXX however I dont feel that its right that this car company gets to keep my {$5000.00} and doesnt give me a car doesnt give me anything I dont think its right I dont think its fairThe claim was filed with Bank of America and the claim number is XXXX
Product: Credit reporting or other personal consumer reports

Checking my credit report, I noticed a series of accounts under the name MIDLANDCRED ( XXXX, XXXX, XXXX ) and MIDLAND FUNDING ( XXXX, XXXX, XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collectors themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing to uphold and violating my rights as a consumer, even entering into a potential identity theft situation. Therefore, I am submitting this complaint to request validation and verification of the accounts, from which they can provide me with certified evidence of where I gave consent to report these accounts on my credit history, as well as the prior notifications regarding the transfer of the accounts from the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my report has caused undue financial harm to me and my family. 
Please verify and validate all data for this account every notation dates and balances whether reported or not and also I request you give me the name of the person in your company who verified the accuracy of these accounts this is Federal Law! The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 
Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking unspecified damages for the harm and delays. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Vehicle loan or lease

I paid off my loan held by TD Auto Finance on XX/XX/19. I had made a monthly principal and interest payment on XX/XX/19. My final payoff demand was not updated to include that P & I payment, and as a result I had overpaid. I have called TD auto finance once a week since my payoff to see when I would be receiving the {$740.00} over payment. Each time I have called, I have spoken with a new representative, who has informed me that the payment would be sent " next week ''. " Next week '' never comes and it does not appear TD Auto Finance has any intention on refunding my over payment. If I made a late payment they would be charging me default interest. Yet, they will not return my over payment, and I am not being compensated for that in any way whatsoever. I just want my money back and they have held it hostage. It has been 56 days since my final payoff. Where in their terms and conditions does it state this is acceptable? Please help me.
Product: Debt collection

PLEASE SEE ATTACHED IT IS A IDENTITY THEFT REPORT FROM THE FTC XX/XX/2018 XXXX M XXXX : XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX
Product: Mortgage

Fay Servicing LLC took it upon themselves to Advance Escrow our Home Owners Insurance when they requested our renewal policy. 
We never authorized escrow and had advised that we were self pay. 
It was not a requirement to escrow. We have been paying our insurance directly for the past 12 years. We were not notified in advance that they were doing this. We also had no opportunity to review our renewal and it had increased. Fay Servicing used a loophole by requesting the renewal policy so they could pay on our behalf. They have never collected escrow from us and now they did an Escrow Advance for {$1100.00}. Our policy renews on XX/XX/2023 and they made payment against our approval on XX/XX/2023, before we even saw the policy. This is illegal and unethical. We have been in contact with our insurance agent who states this is sketchy. We have contacted Fay Servicing numerous times to reverse this Escrow Advance and we are getting no where with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan for a XXXX XXXX that was financed by Capital One Auto Finance it was opened on XX/XX/XXXX and was closed due to it being totaled on XX/XX/XXXX due to a serious car accident. Capital One was made aware of the car being total and provided all information related to the insurance payoff that would be made to them due to their lien on the vehicle. The insurance company sent me a certified letter showing that they had paid the Capital One - however, Capital One shows that I was past due on the account which is untrue and false.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to highlight ongoing issues with inaccurate reporting on my credit report, which has had a significant impact on my financial standing. These issues arise from incorrect information reported by the Army and Air Force Exchange Service, compounded by improper application of wage garnishments processed through the XXXX XXXX and XXXX XXXX ( XXXX ) since early XXXX. 
The key issues are as follows : XXXX. Company Name Discrepancy : The account is listed under an incorrect and nonexistent entity name, XXXX XXXX XXXX XXXX XXXX. This mislabeling has caused confusion and errors on my credit report that need immediate correction. 
XXXX. Inaccurate Payment Information : My credit report shows a history of delinquencies in XXXX and XXXX, despite the fact that I have not made any payments since early XXXX. The Army and Air Force Exchange Service has been falsely updating my credit report, leading to significant inaccuracies that must be addressed. 
XXXX. XXXX XXXX and Over-Limit Concerns : My reported balance exceeds my credit limit due to misreporting and improper application of payments through XXXX wage garnishments. This has artificially inflated my balance and resulted in unnecessary penalties. 
XXXX. Missing Terms Duration : The terms of my account are listed as XXXX, which leaves my account status unclear and further complicates my ability to resolve these issues. Accurate and complete terms information is essential to understanding the true status of my account. 
XXXX. Potential Errors in Account XXXX : My account is incorrectly reported as 90 days past due, with a past-due amount, despite no direct payments being made since early XXXX. These errors must be corrected promptly to prevent further harm to my credit standing. 
XXXX. Lack of Transparency Regarding Removal Date : The removal date for this account, listed as XX/XX/XXXX, does not align with federal law. This raises concerns about further misreporting, as federal law typically requires the removal of negative information after XXXX years from the date of first delinquency. 
Since XXXX, I have submitted multiple disputes regarding these issues, but the Army and Air Force Exchange Service has not acknowledged them, as required under the Fair Credit Billing Act ( FCBA ). Their failure to comply with federal regulations has caused ongoing harm to my credit score, increased borrowing costs, and limited access to credit. 
By sharing my experience, I hope to raise awareness of the challenges consumers face when dealing with credit reporting inaccuracies and the lack of accountability from creditors, credit reporting agencies, and debt collectors. Accurate credit reporting is crucial to financial health, and it is vital that the entities responsible for maintaining this information adhere to federal laws to protect consumers.