23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2023, I logged into my bank account. I saw Chase had taken {$1300.00} out of my checking account I had not authorized. I called chase and spoke to someone who barely spoke English. I was told Chase could take an extra mortgage payment if they wanted to. I told woman, no I didn't authorize a {$1300.00} mortgage payment. I paid {$1100.00} on XX/XX/XXXX or XX/XX/XXXX. She stated, Yes, I see that. I told her the money needed to be put back in my checking account. She stated it would take 5 days for Chase to decide if they were going to give me my money back. I told her unacceptable and asked if Chase was going to pay all fees I was going to incur? She asked what fees. Told her I have other bills Coming out this month and Chase took my money. I was told I could transfer money to cover bills. It's not Chase 's fault or responsibility if I don't have money in my account. I told woman it is Chase 's fault. I did not authorize any money other than {$1100.00} for Chase to take out of my account. She then told me she'd escalate case and I'd know in 2 days if I was getting money back. Also, woman stated multiple people had called today with the same issue and she believed it was an online payment issue. I did ask for proof I authorized Chase to take {$1300.00} out. Woman refused to answer and told me I'd have to wait for Chase to decide if they were giving me my money back.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, Florida XXXX Re : PNC Bank stole {$400.00} cash from customer of a deposit of {$2200.00} cash PNCBANK XXXX XXXX XXXX XXXX Florida XXXX PNC BANK Teller crossed out the cash amount of {$2200.00} and wrote in {$1800.00} without my knowledge The manager, XXXX XXXX checked the date of deposit, XX/XX/2024 and said there were no shortages or additions at the end of the day. She checked the video as well. Result was, that she indicated that I miscounted the cash. I requested some kind of verification for the complaint I made. She simply said, Its in the system. I tried to follow up with the XXXX, Pa branch by phone and they gave me the same answer, I miscounted my cash. 
I withdrew my money and proceeded to close the account. 
Due to health issues I was in able to investigate further. 
After closing account and repeating my complaint I was finally given a verification # XXXX. 
The bank teller stole {$400.00} plain and simple.
Product: Debt collection

I am writing this complaint to dispute the following accounts : Creditors Bureau Associates Account # XXXX, # XXXX, # XXXXThis agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debit. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. Defamation 2.Negligent Enablement of Identity 3.Violations of 15 U.S.C 1692g May contact information is as follows :
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent accounts added to my consumer report. 

On XXXX XXXX XXXXXX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my TransUnion consumer report from a company named XXXX XXXX XXXX ACCOUNT # XXXX I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report proof enclosed in the CFPB complaint. 
Reporting Act outlines the rights of identity theft victims, those who are identity theft victims : Block fraudulent information from your credit report Stop a company from reporting information resulting from identity theft. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the fraudulent account and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I filed disputes with experian for multiple accounts that came back verified but was not given any proof or reasoning. I seen they are now being sued for not properly investigating disputes and I feel I have been affected by that. These are the accounts I want removed that I disputed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year>. Did not apply for any credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX disputed several accounts that are listed on my credit report. They were not able to verify nor validate the debt per the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. Verification and Validations of debt are under penalty of perjury and copies of statements of account are not suffice. Also, I required the agency to supply me with a copy of the SSA 89 form which gives authorization to disclose any information involving my social security number. In accordance with the FCRA the accounts below have violated my rights : XXXX UNIVERSITY EMPLOYEES account ending in XXXX XXXX  COLLECTIONS account ending in XXXX XXXX XXXX XXXX account ending in XXXX inquiries by XXXX- CARD SERVICE AND XXXX  CREDIT BUREAU 15 U.S.C . 1681 section 602 A. States I have the right to privacy 1581 U.S.C. 1681 Section 604A Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus and XXXX XXXX  to remove this account that was open on XXXX XXXX, 2014 ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The account is also fraudulent.
Product: Credit reporting or other personal consumer reports

Guess there was a mix-up at my bank. I always pay in advance, until XX/XX/XXXX. I have been past due for the last XXXX  months, but only XXXX to XXXX  days ( thinking I was paying in advance ). I was never notified by the bank, text, email, phone call, or letter... nothing for XXXX  months that my account was past due. I got an alert from my bank stating a new past due account was posted to my credit... What??? I still have not received any notice from M & T about being past due. I called, explained the mix-up, and they refuse to remove the late payment from my credit. Mind you, this account has never been past due or even close. I should have been notified in XX/XX/year>, but there was nothing from M & T. I should have been notified they were going to report me before they did!
Product: Credit reporting or other personal consumer reports

On Thursday, XX/XX/XXXX, I applied for a mortgage with XXXX XXXX XXXX XXXX. They checked my credit and provided a pre-approval. On Friday, XX/XX/XXXX around XXXX, I received the first solicitation phone call from a local mortgage broker stating that they saw that I was searching for a mortgage and would I like to apply with them. After determining the reason for the call, I told the representative that I wasnt interested and to remove me from their call list. No less than a minute a later, I received the second call from a different lender. Since XX/XX/XXXX, I have received almost 100 calls from lenders across the country. Besides being annoying, these incessant calls have completely disrupted my life. Calling from the time I awake until well past dinner time, the calls have interrupted my life including time with my family, a wedding reception, church and other moments that shouldnt be interrupted by someone whos trying to sell me something. Please provide advice on how to rectify this issue. I cant get my time back but Id like something to happen.
Product: Checking or savings account

During the months of XXXX and XXXX of XXXX  several XXXX payments was made unauthorized to a XXXX XXXXXXXX on my chime account I disputed the charges and complaints because someone had hacked my XXXX account and they denied my dispute and this person got to keep my funds
Product: Debt collection

Miland credit management for {$480.00} and {$540.00}, are on my credit file and after multiple attempt to open any account if it were a true collection, would be there, but after inputting my personal information and social which is above all there is no connection nor match to my Name/Social Security so please remove it. They want to act like they are in charge and I would to stand for any harassment when they cant even provide on their official page
Product: Credit card or prepaid card

On XX/XX/2019 I went to XXXX  to change and pay for my membership fee. I was told to contact the credit company associated with XXXX  ( XXXX Mastercard from XXXX XXXX  ) to link up the XXXX card with the credit card. I spoke to a representative from the credit card company and told her to link up the cards. Instead she activated the two cards that were coming through the mail and deactivated the cards I had with me. She insisted on doing this and created a problem with me and my Wife 's card. Now I had no cards to use and was furious with this. I called back to fix the issue instead it created more problems that I wanted. The supervisor tried to reactivated the card that was deactivated and that didn't work. Now instead of getting two cards that were activated in the mail I got one good and the other not working. So again I had to call and get another set of cards sent to me and was told when I activate these two one will work and the other won't work. So I listened to the supervisor and the card that was working stop working and the one he told me to cut up would have worked but I listened to him and got me all screwed up. Now I have one card working mine and my wife 's not working. I waiting for another set of cards that should have come today according to the representative. I complained so much that I sick over this. I was compensated {$20.00} which I find an insult to my intelligence. They will not budge on a resolution.
Product: Debt collection

Debt was sold to a XXXX XXXX company, XXXX XXXX XXXX - debt was paid and still reflecting as a charge off looking as though a balance is still owed company never informed me I could dispute the charges so I ended up paying and no attempts had been made to remove this from my credit report instead it looks like a charge off and no balance have been paid.
Product: Money transfer, virtual currency, or money service

This company is supposed to give me access to my funds from a different company through a prepaid gift card but this company is not allowing me to access my funds. The gift card is supposed to be through " XXXX '' which they own and operate. 
They are citing that the gift card " expired '' but I have never been able to access any of my funds even before the supposed " expiration '' that they are claiming my gift card has. Furthermore, according to the FDIC it is illegal for gift cards to have expirations before 5 years, which I am not even close to reaching. This company has essentially stolen my funds without giving me the opportunity to ever access them. I have tried reaching out to them but they just give automated responses leading me back to their website which has no information or way to contact an employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I took the time out t call and reach out to XXXX  XXXX, and Transunion requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score. 
Account name / numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had an ongoing issue with capital one for two months now. Here are the rundown of events:XX/XX/2015- month put into my credit card account that did not belong to me ( money was meant for another account and the money did not belong to me ) - Called capital one they told me nothing was wrong with my account and someone must have " given '' me money. 
- I said that no one has access to my account and that is not possible- research was done and the money was found out to belong to my mother who does NOT have a capital one account, she was paying off her XXXX XXXX XXXX bill ( which is through Capital One ) -She has a different first name, and a different account number yet the money was put into my account. 
- Called capital one to clear it up ... here is the chain of events since then:1. ) Money was supposed to be sent to me in late XXXX so I could return it to my mother so she could send it to the correct address- Capital One instead sent it back to my mother 's bank where I do not have an account and put it addressed to me. That bank sent it back to Capital One and the money was put back into my account2. ) XX/XX/XXXX money was supposed to be sent to my house - check was never issued3. ) Week later I called- money was supposed to be sent to my bank electronically- never done and I was told that this was not an option4. ) XX/XX/XXXX- check was STILL never mailed - spoke to a supervisor who said she would make sure it was mailed. 
5. ) Check was mailed to an address that DOES NOT exist. I gave her my address because it was wrong in the system and the check was sent with the XXXX XXXX name, apartment name, town, and zip code. 
6. ) Called Capital One and they were supposed to cancel the check and resend it to the correct address. Payment department said no because they already issued it and it would be a duplicate check7. ) TODAY XXXX/XXXX/15 : Called 2 times - spoke to XXXX supervisors- supposed to get a call from someone in the payment department at XXXX XXXX and no one ever called. 

Where am I now .... 
NO closer to having the money returned to it 's rightful owner. This is all Capital One 's fault yet I am the one who is having to continuously call and explain to someone new what the situation is. I can not believe that a company can operate like this it is XXXX unacceptable and I would never recommend this company to ANYONE. I am filing a complaint because I do not know where to go from here. I am no closer to having the check for {$3500.00} returned to me and no one at Capital One seems to know how to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Sequium Asset Solution Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

Ocwen Loan Servicing , Inc. has not provided a corrected XXXX for XX/XX/XXXX. The original XX/XX/XXXX XXXX was received on XX/XX/XXXX containing an incorrect interest paid amount paid in XX/XX/XXXX I notified Owen on XX/XX/XXXX that the XX/XX/XXXX XXXX contained a lower amount then what was paid in XX/XX/XXXX. They said they would correct the interest paid and send out a corrected XXXX for XX/XX/XXXX. I never received it so I have called repeatedly in order to get the corrected XXXX before the XX/XX/XXXX IRS filing date. I also send them a secure email messaging restating the problem. I still have n't received it so I had to file for a tax extension.
Product: Credit reporting or other personal consumer reports

Received notification that a new account was added to my credit report from monitoring service via my credit union. Credit Report was from XXXX. Report contained the following information : account balance {$870.00} account number XXXX address XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX creditor name online information service industry type other collection agencies I have no knowledge of this company or any outstanding balance connected to the account. From the information I received wasn't sure if I should start with the complaint or contact XXXX.
Product: Mortgage

Again I am writing concerning my request for correction of the error described below in regards to the mortgage on my property. After years of dealing with Ditech refusing to accept I had paid the sums to bring the mortgage balance current. On XX/XX/XXXX I paid with certified funds in the requested amount of {$410.00}. Ditech scan the check into their file and destroyed the check, they never processed it. I had to cancel the check, pay a XXXX fee and both parties had to sign an affidavit stating the check was destroyed by Ditech. During this process Ditech 's director of collections agreed that Ditech will. 
1. Refund the XXXX that was paid to cancel the official check 2. Remove the late credit reports. 
Once I received the sign affidavit from Ditech, I returned docs to my bank for processing. I called Ditech 's representative who process the payment and sent over the confirmation by email, confirmation number XXXX to bring the loan current. On XX/XX/XXXX, I received an email notification from my credit monitoring service stating Ditech has reported me again as past due. 
I have reach out to, Ditech Director of Collections and he has not return my call. One representative contacted him on instant message ; he stated : I will call him in 30 minutes, that was XX/XX/XXXX I want the two items above resolve as stated, and put in writing, not verbal over the phone. 
The last time Green tree stated I was current but never put it in writing, now again Im still dealing with this from Ditech
Product: Debt collection

AVANTE USA at XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$980.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

Date opened XX/XX/2016 1st account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX Date opened XX/XX/2016 2nd account-I.C. System Inc, XXXX XXXX XXXX Amount XXXX I called this company to advise them that this is not my debt the lady in the phone was rude and advised me that it is my debt and if not paid will be reported on my credit report. I have since then disputed the accounts twice and asked that information be provided showing this is my debt no information was provided and the debt is still being reported. I can not get approved for a home or car because my credit is showing I owe this debt.
Product: Mortgage

My mortgage company Nationstar did not cancel my PMI on my loan based on the Homeowners Protection Act of XXXX. I made attempts via phone calls as well as online to obtain an answer on why it was n't cancelled only to be given different information each time. According to the HPA law as well as my Private Mortgage Insurance Disclosure statement my PMI termination date is XXXX/XXXX/XXXX. However my monthly payment still reflects PMI owed for the XXXX XXXX payment.
Product: Credit reporting

This has been updated with the other bureaus please update on my Experian report. This balance has been paid and I am no longer accountable for this charge off please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over XXXX XXXX Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$530.00} ; XXXX & CO XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.