23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called XXXX XXXX XXXX today XX/XX/XXXX to report an inaccuracy on my XXXX  and XXXX  Credit Report. On XXXX it is listed as XXXX XXXX XXXX XXXX i the amount of {$450.00} ( reporting date XX/XX/XXXX ) telephone number is for XXXX XXXX XXXX  and on XXXX it is XXXX XXXX XXXX in the amount of {$440.00} ( reporting date XXXX ). At the time of service I was a college student in XX/XX/XXXX and a legal dependent of my father XXXX XXXX XXXX, XXXX and I am XXXX XXXX XXXX, XXXX an unemployed college student. I needed XXXX   treatment in XX/XX/XXXX in which my father gave his consent for me go to the XXXX XXXX XXXX. XXXX in XXXX, GA my mother also signed for me to utilize their XXXX insurance and accompanied me each visit with the exception of my XXXX visit when my paternal grandmother passed. My father was gainfully employed and was making payments on my XXXX   account which he was responsible for due to the fact I was on his insurance and under the age of XXXX. My father became ill and XXXX in XX/XX/XXXX and was mo longer able to make payments on the account. The account was turned over to XXXX XXXX XXXX ( XXXX ). I tried to explain to the legal department of XXXX XXXX XXXX today XX/XX/XXXX. That the dentist office transposed the file due to the fact my father and I carry the same name. However, she stated I was responsible for the date because I was over the age of XXXX at the time of rendered service. If this was the case this debt should not have been filed on my fathers XXXX  insurance and no payments excepted from him to rectify the account. Might I add upon graduating from college in XX/XX/XXXX, I enlisted in the XXXX in XX/XX/XXXX, graduated from XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) and XXXX XXXX for the full 13 weeks of training. I take pride in representing our country and my credit profile. I do not wish to carry a negative blemish for the clerical error of someone else 's mistake. I thank you for your assistances and immediate urgent attention in resolving this matter. 

In my conversation with XXXX in the legal department she was most rude and snappish towards my explanation and questioned the intelligent intellect of my mother.
Product: Checking or savings account

I am filing a complaint against US bank for mistakenly denying my {$200.00} bank bonus. In summer XXXX I opened a new checking account with US bank, and there was a promotion associated with new accounts at that time. You can find the details of that promotion below, U.S. Bank is offering a {$200.00} bonus when you open a new Silver Check, Gold Checking or Platinum checking account and complete the following requirements : Enter promotion code on sign up or give it to your banker ( you can request a code via e-mail or text ) Complete XXXX or more recurring direct deposits totaling at least {$500.00} OR complete XXXX or more U.S. Bank XXXX Pay transfers of {$25.00} each or more within 60 days of account opening The Fine Print Checking Package Offer A minimum deposit of {$25.00} is required to open a U.S. Bank XXXX checking account. 
To earn the {$200.00} bonus offer, open a new U.S. Bank XXXX XXXX XXXX XXXX, Gold Checking Package or Platinum Checking Package between and including XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
Present your promotion code to a branch or XXXX phone banker or enter it online at account opening. 
Additionally, you must complete XXXX or more recurring direct deposits totaling at least {$500.00} OR complete XXXX or more U.S. Bank XXXX Pay transactions of {$25.00} each or more ( you are responsible to ensure sufficient funds are deposited to cover bill payments and enrollment in Online and/or Mobile banking is required ) within 60 days of account opening. 
The checking account bonus will be deposited into your new consumer checking account within 60 days of direct deposit or XXXX XXXX verification, as long as your account is open. 
Bonus will be reported as interest earned on IRS form XXXX and recipient is responsible for any applicable taxes. 
Offer may not be combined with any other checking account bonus offers. 
Offer is not valid if you have an existing U.S. Bank XXXX checking account, had a U.S. Bank XXXX checking account in the last XXXX months, or received other U.S. Bank bonus offers within the past XXXX months. 
XXXX U.S. Bank employees are not eligible. 

In XXXX I met the requirement by using the billpay service twice. But the bonus was not credited to my account. I contacted the bank about this issue, but the representative was trying to disqualify me for bonus reasons.
Product: Checking or savings account

-Deposited XXXX $ @ XXXX outside atm on XXXX -ATM began deposit process but did not credit funds to account due to system error. 

( EVENTS DURING TRANSACTION : INSERTED CARD, ENTERED PIN, SELECTED DEPOSIT OPTION, SELECTED DEPOSIT CASH, DEPOSITED CASH, MACHINE BEGAN COUNTING INSERTED FUNDS & DISPLAYED ITEMS BEING PROCESSED MESSAGE FOR APROX. 5-7MINS, MACHINE MECHANISM ENDED COUNTING AUDIBLY, DID NOT PRODUCE RECIEPT, ENDED CYCLE, REDISPLAY WELCOME & SCREEN TO BEGIN A NEW TRANSACTION ) -upon arrive to my home, I Immediately contacted NFCU and informed them about the deposit. 
-was told a dispute was created, and that I would receive a provisional credit within 10 days if the dispute was not completed. 
-I attempted and was not unable to be retrieve a copy of the dispute nor any documentation on this investigation. 
-recieved credit on XX/XX/2020. 
-nfcu began was reversal of provisional credit on XX/XX/2020 although my funds are insured under agreement with bank. 
-account now in negative status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card or prepaid card

On XXXX XXXX, 2016 I was defrauded by XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX, SC. A salesman made fraudulent claims regarding the deed I was purchasing. While in the sales office in XXXX XXXX the salesman had me apply for an American Express Hilton Honors Card which I was approved for. I was then convinced to charge as much money as possible on the card. Months later I had realized I had been defrauded when the timeshare was essentially useless, and did not fulfill a single promise made by the salesman. I hired an attorney to cancel the timeshare which has been finalized, but American Express has repeatedly denied my fraud claim for the initially charged down payment.
Product: Checking or savings account

In XX/XX/2024, Chase mailed a debit card to an address not on my profile and also reset the pin for the criminals. I got no alert for the whole process - normally even if I request a credit card replacement, I got alert. However, this time, no alert for the fraudulent debit card replacement and pin reset. 

On XX/XX/2024, criminals went to a Chase XXXX in XXXX and withdrew {$6000.00} from my XXXX  account and {$25000.00} from my XXXX  account, XXXX transactions separated by about XXXX minutes, at the help of a Chase teller. Those XXXX numbers are exactly the same XXXX number in my XXXX account ( {$6.00}, XXXX at that time ) and my XXXX  account ( {$25.00}, XXXX at that time ). I believe the Chase Teller didn't verify the photo ID before he/she authorized the withdraw, or he/she worked with the crime group. 

As of XX/XX/2024, Chase credited back the {$6000.00} and {$25000.00} back to my accounts. However, I requested Chase to report the findings for these two frauds and the information which Chase used to make the decision ( per CFPB rule/FAQ on " How do banks investigate unauthorized transactions '' ), because I would like to know how this happened and take precaution in the future. Chase declined my request and said the bank doesn't do investigation. I believe it is a violation of the CFPB rule. 

Moreover, per FDIC rule, for the transactions from one account summing over {$10000.00} in a day, the bank should submit Currency Transaction Report, which required the bank to verify the ID of the person who made the transactions. I believe Chase failed on this too.
Product: Debt collection

To whom it may concern, I have recently pulled my credit report and noticed there's a collection listing from your agency.

I have never been notified of this collection action or that I owe this debt.

This letter is to inform you that I have a right to request a validation of this debt and your ability to collect this money from me.I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Please attach copies of the following documents.

Agreement that you have authority to connect on this alleged debt. 
Agreement that bears the signature of the alleged debtor with promises to post the original creditor. 
Complete payment history on this account to prove the amount you wish to collect is correct.
Product: Checking or savings account

On XX/XX/2023, I had made a sizeable cash deposit to my account, several hours later that day, I received a notification through email that my account balances had dropped below {$100.00} on all XXXX deposit accounts in my name. There were multiple transactions including, phone transfer, ATM withdrawal, and counter debit. These attempts were tried on all accounts, about {$17000.00} in withdrawals and fraudulent transactions were successful. At that moment I called the Bank and informed them that these transactions in question were not me. I filed a fraud claim immediately and got claim numbers. I was told to open a new account the next day, so I could have any refunded funds moved to the new account, I was also told a hold on transactions would be placed on the old accounts. Since then, I received a letter saying that my claim was denied, I rushed to the bank and later that day I received a refund of {$960.00}, but the larger amounts or {$8000.00} and {$8700.00} are still pending.
Product: Debt collection

Hi, I received an email from XXXX for credit alert as below on XX/XX/XXXX the following change to your credit file has been detected. 
Change : Major Derogatory Account XXXX : CAINE & WEINER Reported by : XXXX Below are details I found when i login to XXXX. 

Account info Account name : CAINE & WEINER Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/XXXX Status : Collection account. {$150.00} past due as of XX/XX/XXXX. 
Status updated : XXXX XXXX Balance : {$150.00} Balance updated : XX/XX/XXXX Recent payment : - Monthly payment : - Original balance : {$150.00} Highest balance : - Terms : 1 Months On record until : XX/XX/XXXX Original creditor : XXXX Contact info Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am never a customer of XXXX, This is Fraud. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed bankruptcy after the passing of my wife and being left with an abundance of medical bills for her care totaling {$500000.00} ; I knew that I would not be able to pay off this debt so I claimed bankruptcy. Last year I disputed the bankruptcy with all 3 of the credit bureaus : XXXX, Experian and XXXX  and after careful review and investigation XXXX Removed the bankruptcy under the Public Records Section.

To my chagrin I was very perplexed as to why it was not also removed from Experian as well as XXXX XXXX. On XX/XX/XXXX XXXX  stated the following on my credit report : Public Records 0 - " At this time, XXXX has no Public Records on file for you. Public Records are financial accounts attributed to legal actions from bankruptcies. '' Last month I mailed in Dispute Forms to Experian and XXXX XXXX with copies of my XXXX Report showing the removal of my Public Record - Bankruptcy.
Product: Vehicle loan or lease

First investors XXXX XXXX we paid a lot of money towards our car and payed more every payment and would pay payments extra throughout the month trying to hurry and pay off and they was taking it and reporting to my credit as late and we was not late can I want this removed from my credit and fixed! There is no contract on the act of the services that they performed! 
Any of your help would be greatly appreciated!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Our mortgage lender, Lakeview Loan Services LLC, has been reversing our monthly payments from XX/XX/XXXX to XX/XX/XXXX without any notice to us. This has caused accumulated late fees and hits to our credit scores. 

This entire situation was extremely negligent on the part of our mortgage lender because if there were issues at all with our account 's status, we should have been properly and promptly notified, not receiving receipts of payment. We have spoken to their customer service on the phone trying to fix this and when we asked why we were not notified, they stated it was because they didn't have our phone number. That's not an acceptable excuse. This has done a lot of damage. Once we found out this was happening we were sure to make a large lump-sum payment to be current. The funds were immediately wired to their bank. 

When this started in XXXX, we logged on to make the payment that month Lakeviews site was having difficulties. We attempted multiple times in XXXX to make a payment, yet the payment portal was still not working. We called Lakeview in XXXX once we realized this was turning into an issue and the customer service rep stated that their system could be behind ( she said she had seen it lag for up to three months before ). She said she was going to process a payment immediately and for us not to worry that it would be taken care of and that nothing was being sent to the credit bureaus. We then tried to schedule XXXX 's payment while on the phone, however, she wouldn't schedule one - she told us the XXXX payment needed to process first because if the system was having issues it needed to catch up, and that hopefully the online portal issues would be resolved soon. 

When checking for the total amount in late fees we paid, it turns out they did not take that from the amount wired, which is what they stated they would do. They used the late fees as a payment for the month of XX/XX/XXXX. That is not what we agreed upon. The amount wired was to cover XXXX and the late fees. Our account is showing that as of today 's date, we still owe in late fees. 

In addition, we have an escrow account and when we first got the loan we were being charged PMI. Once the equity in the home increased over 20 % the PMI was supposed to drop off ; however, were still paying PMI and its being send to escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked Factual Data and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

Factual Data XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit card or prepaid card

received email titled " A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER '' as well as a blank email labeled " Action required on your application '', I never applied for anything or have an Amazon credit builder account.
Product: Consumer Loan

I took out a loan through Duvera Financial to finance a gas scooter so that I could get back and forth from work. After having to contact the CFPB over Duvera changing my interest rate and payment amounts agreed on, their were no issues. 

Then this past week, on XXXX/XXXX/15, I logged into the payment portal, and made my monthly payment, as I have every month, XXXX single payment a month. However, on XXXX/XXXX/15 at approx. XXXX, I noticed that the payment I submitted had processed through, but an additional payment was taken out of my bank account for the same amount, on XXXX/XXXX/15. I immediately called Duvera Financial, and was placed on hold for XXXX minutes before being told by a " XXXX '', that I made XXXX payments. 

When I stated that I only made the XXXX payment on XXXX/XXXX/15, she instantly started saying that I did no such thing and placed a XXXX payment. After pointing out that I only make XXXX payment a month several times, she proceeded to state that I had set up an Auto-pay on the account ( which I did no such thing, as every payment made has required me logging in and scheduling the payment up until this point ). She then said that she would put in a request to cancel the payment, and that I should see the payment reversed in 3-4 business days. 

I just contacted my bank ( XXXX XXXX ) to be told that they do not see any pending transfers on the account in question, and that they do not see anything from Duvera. So I contacted Duvera yet again at XXXX on XXXX/XXXX/15. After another XXXX minutes of being on hold, I finally got someone who would not give her name when asked. When asked about the status of the refund for the pending amount, she told me that " You called us on XXXX/XXXX/15, it 's only been XXXX days. It takes time to reverse the payment. We do n't know when it 's going to be credited back ''. I asked for a supervisor, was placed on hold, then a guy answered the phone and said that it will be another XXXX business days for the refund on the payment. 

As of now, I 'm accruing NSF fees through my bank becuase of the XXXX payment that they took out, because my bank processed the payments that were due to be taken out at the same time as the XXXX payment was processed. Now as it sits today, I 'm owing my bank {$140.00} from bills that were processed out and NSF fees that have been accrued by Duvera taking a XXXX payment without my authorization.
Product: Credit card

I have called your company three times this week the three times the reps are unaware how to complete a dispute. Also, the three times I requested a manager no money was available. I was promised a call back and that never happened. Im requesting a callback from a manager to resolve my issue. In regards to a dispute with customer service is awful instead of helping customers. They only know how to upset customers several other complaints will be filed if no one reaches out to me by Tuesday. I have the XXXX XXXX Advantage aviator MasterCard.
Product: Credit reporting or other personal consumer reports

I sent an affidavit certified mail to Transunion, XXXX and XXXX to remove missing payments from my credit report and they have not responded. Accounts have been inaccurately and illegally reported as having late payments, in violation of 15 U.S.C. 1666b :
Product: Mortgage

Describe what happened so we can understand the issue ... 
I was granted trial payments for a loan modification in XX/XX/2016. I have made every payment on a monthly basis as indicated last payment on XX/XX/2016. I received notice that as of XX/XX/2016 I will no longer be in the loan modification program due to title issues. I have an attorney and we filed a claim against the person who put the fraud liens on my homes, the person defaulted. The problem arouse due to the company " XXXX XXXX '' hired to process the proof of service did due the service correctly as a result the case was rejected and I had to start over. I had him served again bay another company " XXXX XXXX '' in XX/XX/2016 and he defaulted and I had him served with notice to file default on XX/XX/2016. So now I need to wait 45 days before I can have the court order the default and damages. I have tried to make the mortgage payments in this month XX/XX/XXXX and they will not take the payments. I need more time to clear the title as described and I need to remain in the loan modification program. The reason it has taken so long is out of my control.