23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed the mortgage for my XXXX Minnesota house on XXXX XXXX, XXXX with XXXX. On XXXX XXXX, XXXX I was notified that my mortgage servicing company will be changed to RoundPoint Mortgage Serving Corporation ( RPMS ). 
An initial Escrow amount of {$2500.00} was deducted from my loan proceeds. 
Starting with XXXX XXXX, XXXX due I have paid {$580.00} ( PMI {$87.00}, Home Insurance {$73.00}, and Real Estate Tax {$410.00} ) each month for the Escrow account. 
As of XXXX XXXX, XXXX after my XXXX payment my Escrow account has a balance of {$5300.00}. 
Since XXXX XXXX there has been monthly payment of {$87.00} made late every month for the PMI premium. 
XXXX/XXXX/XXXX - XXXX/XXXX/XXXX Home Insurance premium was paid and deducted from my loan proceed on XXXX/XXXX/XXXX. Next Payment of about {$880.00} is due XXXX XXXX. RMPS has it scheduled for XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX {$160.00} was paid by RPMS for the 2nd half XXXX Real Estate taxes. My County latest estimate of XXXX RE taxes is {$3700.00} due {$1800.00} on XXXX XXXX, XXXX and {$1800.00} due on XXXX XXXX, XXXX. RPMS has scheduled payments of {$2500.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 
As it is indicated from the start my escrow deduction has been very excessive and the balance as of XXXX/XXXX/XXXX is almost enough for the total XXXX actual payments of {$5600.00} ( PMI {$1000.00}, Home Ins {$880.00}, and RE Tax {$3700.00} ). 
According to your site the Escrow withholding can not be more than 2 month of the actual payment, in my case {$120.00} in XXXX ( {$440.00} form PMI and XXXX for RE Tax / 5 month ) and {$470.00} in XXXX. 
I have made every monthly due on the 1st day of the month ( Due date ). 
I am requesting your help / or directing me to the proper authorities to correct this unjust situation and have the RPMS pay me back the illegal additional escrow balance plus interest and penalty and to adjust the XXXX escrow withholdings immediately. I recently requested a Escrow analysis on RMPS site but have not received any responses from them. When I called their ( XXXX ) office few month ago several times I could not even get an agent that could comprehend my issue and they were confusing the Principal and Interest Payments with the Escrow account. 
Best Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX/XXXX  Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00}
Product: Checking or savings account

We are a C Corporate in Delaware. 

We have a bank account with Silicon Valley Bank, recently acquired by XXXX XXXX XXXX XXXX XXXX. 

We have three accounts with this bank, one in USD and one in EUR, and one in GBP. 

Right now ( today is XX/XX/XXXX ) and since XX/XX/XXXX and all the time between we are UNABLE to conduct : - Foreign Currency Exchange operations- Outgoing Wire Transfer using the currency accounts in EUR nor GBP I have been on the line multiple time with the bank support and they have been UNABLE to provide me with any realistic timeline or even a reason for these outgoing wire transfers in currencies ( EUR and GBP ). 

I have been told multiple times simply to wait for an unknown time without any roadmap or timeline. 

We are a small business and for us, it's a life-and-death situation. What makes this even worse we're not even given any explanation why they have suspended both the Foreign Exchange Services and Outgoing Currency Account ( EUR / GBP ) Wire Transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of repairing my credit score I disputed some old debt accounts that were listed with reporting errors and they were removed by XXXX. But I C Systems bought one of those removed old debt accounts and proceeded to reapply it onto my credit as a new debt with them and they are reporting it two times a month since XX/XX/2020. I have never directly communicated to this company nor did I receive any documents from them informing me who they were. I C Systems just suddenly appeared on my credit report claiming I had an account with them. I submitted a dispute to XXXX  on XX/XX/2020 to remove the account due to inaccurate dates on debt, this collection agency bought an old debt of mine from another collection agency and were claiming it was a new debt ( 2 months ) on my credit. 

XXXX  came back claiming that they investigated it and the account was up to FCRA requirements. But I investigated and found that what this debt collector is doing is against Federal Credit Reporting Policies. A collection account bought is considered a continuation of the original debt therefore the date of debt can not be changed to the purchase date the collector bought the account. " It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with updated activity dates, you may have a legal case against them. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

N the months of XXXX and XXXX of 2022 late payments reported improperly and incorrectly. 


In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

The amount is {$89.00}. I got charging case from merchant in XXXX but in XXXX case stop working I do have receipt where is saying that I got 5 years warranty so I try to call merchant numerous times but no luck so I call my bank and file dispute after some time I received a message that this transaction is legit and they can't dispute it I call them they said write us letter to reopen case I did so but nothing so I call and call and call and email but nothing so finally someone from private number call me back and told me to stop calling and email them go my way and deal with a merchant that they will not dispute this transaction. Please help me I know its seams {$89.00} not a lot but its big money form me.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue is aligned with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

XX/XX/year> I requested a Capital One credit card increase ( {$3200.00} ) online and received an online document declining my request citing average monthly payments have been low when that is not true. I have been paying more than the minimum payment on my Capital One credit card consistently for more than 6 months and their representative would not tell me the reason even after checking my payments and confirmed they have been timely and more than the minimum was paid monthly. 
I was told that my account is in good standing and that I should put in a second request for increase of {$3200.00} on XX/XX/year>. I just dod so and was declined for " average monthly payment has been too low ''.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Subject : Request for Blocking of Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 and 1681 ( b ) I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report XXXX : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days upon receipt of the identity theft report. The following information on my credit report is the result of identity theft and should be blocked immediately : This letter is to notify you that I am a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached for your reference. There are fraudulent accounts on my report that do not belong to me. 

All required documentation has been included in this packet and has also been sent via fax and Certified Mail to your agency. In addition, I demand the immediate deletion of the following fraudulent accounts from my credit report : Please remove the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please ensure that these accounts are removed from my credit report without delay. I expect confirmation of the completion of this request in compliance with 15 U.S.C. 1681c-2. 

Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I used rewards points and credit card to buy 4 tickets to XXXX. 
Since Covid, the flight was subsequently canceled. USAA is claiming that they can not refund the tickets. They are using a third party vendor XXXX that is unresponsive. I have attempted on multiple days to reach out to the vendor to no avail. USAA is unable or unwilling to investigate the issue on my behalf. I just keep getting rerouted to same phone number run by XXXX.
Product: Debt collection

I signed up for a Walmart credit card the and PAID with my card and she swiped it to " activate '' it and in turn she had it pay for it also so if anything that woman that did the sign up is responsible for that payment or her Manger because she was not properly trained on it and I refuse to pay for something i NEVER!!!! Agreed too so take it up with XXXX iowa XXXX XXXX XXXX XXXX walmart not me
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$540.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$350.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$5500.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance {$1800.00} Open Date XXXX XXXX, XXXX inquiries 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchase a Tesla XXXX XXXX in XXXX of XXXX  from Tesla Motors, and due to the pandemic I never received my title paperwork. I've asked for it previously, but have never received it. This has left me unable to register the vehicle, and now my auto loan rate has reset because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized & unrecognized inquiries on my credit reports XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

regions bank refusing to allow dispute funds used on sites not receiving merchandise or canceled orders meaning they are promoting regions users to be ripped off
Product: Credit reporting or other personal consumer reports

I have disputed multiple inaccurate accounts with [ Experian/Equifax/TransUnion ] , yet they continue reporting false information, violating FCRA 1681e ( b ). These errors have caused financial harm and denied credit opportunities. I demand immediate correction and removal of these accounts per FCRA compliance.
Product: Checking or savings account

On XX/XX/year> I initiated a transfer of XXXX XXXX it stated that it would take between 5-7 business days. On XX/XX/year> I contacted customer service asking why the transaction had not yet gone through and they stated that it was an internal error. I asked if they could please process that transfer as soon as possible the representative told me I would have to request the transfer again. I stated what happens if it doesn't go through again am I to wait another 7 business days to hope it goes through? I asked to be contacted immediately once they found out why the initial transfer did not go through. The money is still in my account but I have not been contacted by anyone from the bank to explain why it would not be completed by now.
Product: Credit reporting or other personal consumer reports

My student loan was closed with a XXXX balance and this creditor refuses to update my file correctly!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of federal consumer protection laws and is reporting information on my credit report that the FCRA clearly and conspicuously states are required to be excluded from credit reports. 
I have contacted them to seek prompt removal of the specified information, in hopes that the damage done to my name, life, and reputation will not exceed what has already been. It is my hope that equifax removes the accounts in question immediately so that they are not further liable under 15 usc 1681n of the FCRA.
Product: Checking or savings account

We request the remaining money in the closed business account for the amount of {$4400.00} ( XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ). 

Unfortunately, our account was closed, and we have not been given a reason that brought the bank to make that decision. On XX/XX/XXXX Mr. XXXX XXXX XXXX intended to make a payment of {$2700.00} using an account under a different name, Mrs. XXXX XXXX XXXX. As one of our companys policies we review every payment and do not allow payments from third parties. As soon as this came to our attention, the situation was reported to Bank of Americas customer service and requested that the transaction would be cancelled. When the initial phone call was placed, the department in charge was not open so we were asked to call the next day at XXXX. eastern time. The next day, we called and opened claim Number XXXX with the Electronic Claims Services department. We were informed at that time that Mrs. XXXX had opened a fraud case the day before. Therefore, Bank of America proceeded to block our corporate account. As we requested to unblock the account, Bank of America explained that the amount disputed ( {$2700.00} ) was going to be put on hold which was understood as the amount of {$2700.00} were requested to be given back to Mrs. XXXX. On XX/XX/XXXX the amount of {$2700.00} was withdrawn from the account and placed back on Mrs. XXXX account, as requested by our company. The next day, our bank account was closed without explanation, and we were told to wait 10 business days to receive a check for the remaining money in the account ( {$4400.00} ). A few days later we received a letter stating the remaining money would not be returned to us. 
We have contacted Bank of America two times during the month of XX/XX/XXXX and no clear answer has been provided on whether the money can still be returned to us. Our company has clearly followed all procedures by reporting the situation and by requesting the transaction to be cancelled. Our company has not committed fraud nor intended to break the business relationship with Bank of America ; Therefore, we are requesting the remaining money left in the corporate account for {$4400.00} to be returned to the company. The remaining money left in a second business account for the amount of {$100.00} ( XXXX XXXX dollars ), and the remaining money on the personal account, for the amount of {$14.00} ( XXXX dollars and XXXX cents ). We are kindly requesting that you not involve XXXX XXXX  , XXXX and/or XXXX XXXX XXXX , XXXX upon this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is currently in violation of the FCRA. According to the FTC the law states after an account is closed and paid off it must remain on the consumers credit report for 10 Years and three XXXX  accounts have been removed suddenly from my credit bureaus. XXXX Visa, XXXX Mastercard, and I was an authorized user on my boyfriends XXXX XXXX account.
Product: Bank account or service

On XX/XX/XXXX I was charged XXXX twice ( XXXX ) by XXXX. I never made a transaction with them. I went into Regions Bank on XX/XX/XXXX to dispute this transaction as I had already tried to correct this fraud charge with XXXX and was getting no where. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled aster the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized them to charge my card not did I ever sign a credit card authorization. The total of XXXX that was charged is fraud and needs to be refunded back to my account asap.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a bankruptcy on my credit report, which I believe to be inaccurate as it has been discharged for XXXX ( XXXX ) years. 

I have carefully reviewed my credit report and have identified the aforementioned bankruptcy entry that I believe is outdated and should no longer be reported. According to my records and the Fair Credit Reporting Act ( FCRA ), bankruptcies are generally supposed to be removed from a credit report after XXXX years. 

Upon thorough examination of my financial history, I am confident that the relevant time frame for reporting this bankruptcy has elapsed. I kindly request that you investigate this matter promptly and provide me with the results of your investigation. 

If, after your investigation, you determine that the bankruptcy entry is indeed outdated, inaccurate, or not in compliance with the FCRA, I request its immediate removal from my credit report. 

I appreciate your attention to this matter and your prompt resolution. Please notify me in writing of the results of your investigation within the time frame required by law. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Southwest Credit Systems, L.P. has continued to call my place of employment and cellular phone a week after receiving a certified " cease and desist '' letter for a debt. Majority of the calls are coming to my desk phone at work at least 4-5 times daily and then my cell at least phone 2-3 times daily with numerous messages which I have saved as evidence. The phone calls were sometimes back to back and very annoying as I was working and or at home. I advised the company in writing the debt is under dispute and will contact them regarding the debt after I research the balance, but to no longer contact me via phone.
Product: Credit reporting or other personal consumer reports

XXXX has repeatedly ignored my disputes and failed to comply with the Fair Credit Reporting Act ( FCRA ), including violations of 15 U.S.C. 1681i for not conducting a reasonable investigation and 15 U.S.C. 1681e ( b ) for failing to ensure maximum accuracy. These actions have caused me financial harm, emotional distress, and reputational damage. Despite submitting evidence, XXXX continues to report inaccurate information, leaving me no choice but to seek damages under 15 U.S.C. 1681n and 1681o. I request the CFPB to intervene and enforce compliance.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with PORTFOLIO RECOVERY A plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$180.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. Account reporting after Statue of Limitation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX