23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX I did an online escrow payment of XXXX to cover estimated shortage from pay off quote of XXXX which I was given XXXX on XXXX I did an online payment of XXXX towards the principal On XXXX I wired in a payment of XXXX which was the amount requested to pay off the loan On XXXX I wired in a payment of XXXX as requested from a supervisor named XXXX to cover the new escrow shortage. 
I have called numerous times to have this paid off in full and they refuse to apply the funds received to do this. 
I have spoken to numerous supervisors and a manager named XXXX XXXX. 
I was told to call the ombudsman dept and I spoke to XXXX who said to call back in 2 business for an update. 
I have been told something different at every call I make. This has been going on for weeks. They have a total of XXXX of my money yet refuse to pay off my house. 
They have now taken some of that money as of today and made 2 house payments for a total of XXXX and put XXXX in my escrow account, now saying I owe another {$2600.00} to pay off the house. All of the funds have been there but they refuse to pay off the house. I am also concerned this will show up on my credit report as a late payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Last Four SSN : XXXX RE : XXXX XXXX XXXX  Account # XXXX To whom it may concern, I am formally disputing the inaccurate reporting of the above-referenced account on my credit reports with XXXX and Equifax. This account remains inconsistent and unverifiable despite prior attempts to correct these issues. Upon reviewing my credit report, the following discrepancies were identified : Issues Identified : 1. Conflicting Data Across Agencies : Date Opened : XXXX reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 
High Credit : XXXX lists {$20000.00}, but Equifax lists {$16000.00}. 
Last Reported Date : XXXX states XX/XX/XXXX, while Equifax states XX/XX/XXXX. 
2. Unverifiable Account Details : The Payment Status is incorrectly reported as Charge-Off despite inconsistencies in dates and balances. 
The Date Last Active and Date of Last Payment differ significantly across bureaus, indicating a lack of proper verification. 

Violations of Metro 2 Compliance and FCRA : 1. FCRA Section 611 ( a ) ( 1 ) ( A ) : Credit bureaus are required to conduct a reasonable investigation when discrepancies are reported. The conflicting data proves this has not been done.

2. FCRA Section 623 ( a ) ( 1 ) : Data furnished by XXXX XXXX XXXX is neither accurate nor verifiable as required by law. 
3. Metro 2 Compliance Violations : Fields such as Date Opened, High Credit, and Payment Status fail to meet Metro 2 standards for accuracy and consistency.

Requested Action : Given the significant errors and the failure to verify this account properly, I demand that it be immediately deleted from my credit reports with XXXX and Equifax. If this matter is not resolved within the 30-day investigation period, I will escalate it to the Consumer Financial Protection Bureau XXXX CFPB ) and pursue legal action for violations of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of this accounts deletion. 

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

I had a XXXX XXXX XXXX that was opened in XXXX that I had closed out, at the time. The account went into collection and the collection agency offer me a settlement but i declined the settlement and paid the account in full. The full balance was {$350.00}. XXXX. I was told by the collection agency they will remove the account once it's been paid in full, I have sent out several letters and the closed account is still on my credit report, only thing they sent me was just a letter stating that the account was paid in full that was it. I sent out three letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX 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 XXXXXX/XX/XXXX XXXX
Product: Debt collection

XXXX calls 2 to 5 times day both myself and my wife, and uses false pretenses for call, tries to hide intent by using false caller id tags such as XXXX. The debt is a medical bill from XXXX XXXX XXXX that was sent more than 15 months after procedure and was only contacted by medical service once. Service was received XX/XX/2021 and paid XXXX at time of Service was then billed XXXX on XXXX despite being told we would owe nothing more out of pocket
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized fraudulent inquiries on my credit report. These inquiries were done fraudulently and without my authority. These inquiries are fraudulent and we're done without my authority.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Name : XXXX XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Debt collection

I paid my original car insurance policy in full and did not renew or agree to the new amount. I received a letter with the renewal amount but did not sign or pay because I was not renewing. Nor was an notice given that I didn't to cancel to not be " charged ''. Believing the policy was canceled, I later received a bill for {$170.00}, which covered a partial period that the insurance company claimed to have canceled at their discretionsomething I did not agree to. They then immediately handed it off to a debt collector, despite knowing their error. I contacted the XXXX to try to resolve the issue, but the insurance company/debt collector is unwilling to remove the fraudulent charge that I did not agree to, stating that the policy auto-renews without my consent and I had to call them to cancel. However, this was not mentioned in the letters sent to me, nor was I given any notice on how to cancel.
Product: Credit reporting or other personal consumer reports

I never opened a loan with XXXX XXXX XXXX for a vehicle This is identity theft and Im not responsible for this debt Its fraud
Product: Credit reporting or other personal consumer reports

I didn't make these credit inquiries, I don't know where they came from on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/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 XXXXXX/XX/XXXX and I also didn't open an account in this bank XXXX XXXX XXXX BANK XXXX XX/XX/XXXX 2024
Product: Credit card or prepaid card

Hello dear Cfpb I applied Gold Card with barclays when i called to ask status i was asked to supply verification documents which i did, after couple days i called to get information about status of my application. I was very disappointed to be informed my application was turned down even though i have flawless credit and very good relationship with Barclays Bank and i have great income. I asked to speak manager his name was XXXX with operator ID number XXXX he asked me about why i have inquires so many and i respond that its not accurate i do not have inquiries at all and in fact i did not have any in my XXXX  credit file until you pulled it and placed hard inquiry in my credit. Long story short i think there is some bias and double standards with this bank and i want fair resolution please. 

Thank you Best Regards
Product: Checking or savings account

This refers to the news release from CFPB regarding the refund or share on the XXXX XXXX settlement by Wells Fargo. As stated, the bank says they contact directly to the consumer. I called the bank and told me they don't know a thing. I think I deserved to get paid as I have filed a complaint regarding the illegal activities of this.bank on overdraft fees ( XXXX ), which they continue to do. Not to mention that they hold the deposits if you have negative balance so they can charge you more, instead of recovering they kick you when you are down.
Product: Credit reporting or other personal consumer reports

Ally received a complaint letter and retaliated by informing three credit bureaus of a disagreement regarding unpaid XXXX items. However, the claim is false as the items were purchased on XX/XX/year>, and payment was made to Ally on XX/XX/year>. A redacted copy of the monthly statement is attached as proof that there is no outstanding debt to Ally or XXXX for the merchandise.
Product: Credit card or prepaid card

I opened a capital one secured Master Card credit card account in XX/XX/2018 to reestablish my credit. I put up a {$420.00} deposit, and got a {$570.00} credit line. The agreement with the credit card company is after a time the consumers deposit would be returned in the form of a statement credit, if the account was in good standing. MIne has been in good standing for 6 months, never missed a payment and the credit card company just issued a {$300.00} additional credit line, making the total credit line of {$870.00}. I called today ( 5 times ), to speak with different represenative ( s ), to ask about " when will my account be eligible for it to be unsecured so as to get my deposit back in the form of a statement credit '', but no one would give me an answer. Below is a copy of the secure card deposit refund information on Capital One Secured Card Website ; Why Does Capital One Require A Security Deposit? 
" The security deposit is used as collateral against your credit line. The security deposit is refundable if you close your account and pay your balance in full. If your account is deemed eligible for unsecuring, we will return your security deposit to you as a statement credit ''. 

I ask the representatives if my credit card account was in good standing they all said " YES '' but would not give me a reasonable explanation as to when my account would be eligible to be a unsecured account so as to get my deposit back as stated above? Non of them had an answer and they were rude to say the least, three of which hung up on me. If my account is in good standing, then it should be eligible to be deemed unsecured, since the payment shave been made on time. 

Also, I ask if my deposit was in a interest bearing account and if the return/ or statement credit would include the interest accumulated, the representatives would not give me an answer, they were rude and indifferent..
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX  XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX  XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Mortgage

We never had an escrow balance because we never paid into escrow, since we pay our own taxes and insurance. The bank returned our payments as escrow disbursement scam, in order to portrait that we were always late and never paid the mortgage on time. This is a fish and bait to see if we take the money and use it for something else so they can complete and continue defaulting us with the intention to steal our property and equity. They are thieves and have targeted my household to do us harm cause were latinos and minority, they think were stupid enough to be scared, and stay quiet to there scam. This isnt a coincidence this is a plan theft by professional thieves. 

this bank servicer is a delinquent criminal and should be investigated and penalized for there mortgage servicing scam.
Product: Credit card or prepaid card

I XXXX  four years ago in XXXX XXXX and came to live in XXXX. I moved the address of my corporate checking and credit card to my XXXX location and continued to pay it. I had problems paying the corporate credit card, with no warning, they took the money out of my husband 's and my checking account as a Bank Card Debit. I called the corporate credit card phone center to complain they answered that it was normal for them to take the money out of my account because I was a warrantor on the corporate card, my husband is not. I proceeded to close my corporate checking account and continued to pay the business card when the pandemic hit, I asked for a forbearance plan, and it was granted until XX/XX/2020. At the beginning of XXXX, they sent an email to my husband 's account informing me to remember that the plan was to finish XX/XX/2020, and to make the payment on the card. 
I called the corporate card and asked the question, why did they not send me the email to my corporate account? They tell me they don't know how this happened, I feel they violated my privacy, and are getting away with it from the get-go.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of an inquiry from my credit report that I did not authorize. After reviewing my credit history, I have identified an inquiry that was made without my consent or knowledge. This inquiry was conducted without any permissible purpose, and as such, it violates my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX on XX/XX/XXXX and asked about a collection on my XXXX credit report in the amount of {$1500.00}. I know nothing about this account from the original creditor, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has my name but the social security number and address do not match their account information. I was never called, emailed, or contacted by mail from XXXX XXXX XXXX. I keep a XXXX number and a XXXX address. My XXXX phone number and XXXX address is clearly on my credit reports, so XXXX XXXX XXXX has my current contact information. The representative told me there are two accounts with my name showing Ohio and Virginia. I have never lived in either state nor traveled to those states. The original creditor, XXXX XXXX XXXX XXXX is also not in the state of Ohio or Virginia, but in the state of Texas. I have never lived in XXXX. I now live in XXXX after returning from my other country, XXXX ( see attachments ). Lastly, I have not lived in the United States since XX/XX/XXXX and just returned XX/XX/XXXX ( see proof with electric bill from XXXX and resident card ), therefore the account could not have been me. I also called the original creditor ( XXXX of XXXX XXXX ) and there was no account information for me. I'm not understanding how they were even able to put this account on my credit report if none of the information matched up. I'm upset because their negligence dropped my credit score over XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify  these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a XXXX purpose.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

The FNB Bank of Pennsylvania charged about {$1500.00} for a total XXXX ACH payments, or about {$13.00} per payment! No fee schedule, no phone call. When we found out, and called the bank, the business banker XXXX XXXX based in XXXX, MD was rude and disrespectful. If the fees indeed are set up this high, the bank must have a courtesy of advising of these fees either in advance or at the time of transactions. The fees must not be discovered by business owners who speak months later. 
The same bank charges around {$0.00} per ACH transaction on other accounts. 
The fees they charged were excessive and represent unfair business practice.
Product: Mortgage

My mortgage is currently serviced by Carrington Mortgage Services ( CMS ). CMS has advised that there is an escrow shortage of {$7200.00} due to flood insurance. CMS has claimed that the shortage stems from the billing from the insurance agent. However, my insurance agent has issued statements showing that the insurance is paid up to date and they also issued a {$3800.00} refund. CMS has refused to issued proper accounting statements, even though I have requested them via QWR, which is a violation of RESPA and HUD law. CMS is clearly distorting the escrow account, to press foreclosure action. CMS has refused to move ahead with loss mitigation efforts as well, which is a violation of CFPB law. I feel cheated and deceived by CMS and I am seeking your assistance on this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently and irresponsibly issued to someone else a XXXX XXXX in my name without using any due diligence whatsoever. 
This happened XXXX. The card was used for over {$10000.00}. 
XXXX also allowed this with an incorrect address ... .I never lived in Florida XXXX 
My credit score for the last 30 or 40 years has always been over 800. 
Experian has me listed with many many exceptional payment histories. Tried to get an XXXX credit card about a month ago but was denied because XXXX Credit Card has dragged my score down to XXXX from over 800..that 's their fault not mine. 
Filed a complaint with Experian but so far no results.