23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, Bank of America redid my escrow analysis for my mortgage account. The escrow analysis completed had included some updated information from my taxing authority for the XXXX XXXX  XXXX. Included in my tax payment was a one-time charge from the XXXX XXXX  XXXX XXXX XXXX for late fees, which was my responsibility. The one-time charge amount was {$1300.00}. Subsequently, I paid back the escrow account by myself to cover the charges. The total overage paid from the escrow account totals {$1800.00} for the end of last year ( XXXX ) which was in the form of an escrow advance. I have since returned the {$1800.00} to the escrow account which left the balance at the beginning of the year at {$0.00}. Monthly escrow payments in XXXX have been paid based on the previous tax rate every month. 

The tax principal for the account increased to XXXX from the previous XXXX. So there will be a difference there that will need to be adjusted but only needs to be based on this amount. Also to note, the insurance payment of {$1000.00} for XXXX XXXX needs to be included. 

Bank of America continues to refuse to update any information regarding the account. This has been an ongoing problem with them not even attempting to resolve issues. I had to previously file a regulatory complaint for the same reason. The only way to resolve these issues is to file these complaints. I already advised Bank of America that if they do not update the information, they would be getting a complaint. To this day nothing still has been done since I called last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My private information is being shared by Transunion. I never gave them my authorization to be reporting this information. I am alarmed that they are reporting this sensitive information about me to third party entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XXXX XXXX but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Product: Debt collection

World Finance corp. home office in SC has an open account on my credit that I have not opened. I have filed a dispute on all three credit as well as a police report. They have yet to take off my credit and it's bringing my score down being who ever stole my identity hasn't made payments. Has been going on since XX/XX/year> I believe
Product: Credit card or prepaid card

My capital one venture cards states that I have XXXX miles available for rewards travel. When I went on line and called to try to redeem these 'miles ' for travel, I was informed that the 'miles ' advertised were not really 'miles ' and that XXXX miles could only be redeemed for {$250.00} in travel. I live in XXXX Alabama, {$250.00} in travel dollars is roughly 250 miles or round trip to XXXX. This is fraudulent at best. Thank you for your consideration of my complaint.
Product: Payday loan, title loan, or personal loan

Covid has been really tough and I no longer have an income as well. Our house only gets two monthly checks, once a month from both SS and VA. They are not huge checks at all. My mother got the loan and cashed the check. It's basically one of those companies that send you a real check and they go from there. The company I am talking about is Worth Finance in XXXX, TX. Not only are they calling the house, which they never had the house number, but they found my mother 's cell, which is always off unless we leave the home. She was really confused and it turns out, they admitted that they did an extensive family search to find all of our numbers. I have only given them my cell because my mother doesn't understand when folks use specific wording. Therefore, I handle everything. I get upwards of almost 10 calls a day and several voice messages. It's gotten to the point to where we have no idea what to do.
Product: Debt collection

I have requested the following verification and validation for the debt in question and have not received any response. 
1. **Proof of the Debt**. 
2. **Account Statements** 3. **Verification of Assignment** 4. **Detailed Breakdown of Charges** 5. **Your License Information** See attachment for complete letter
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Suspicious activity in my mail made me think that my identity had been stolen, then short after I realize, started to check my credit, to my surprise there were a number of account that I don't know of. Please help me to resolve this by removing these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I researched further on the XXXX XXXX XXXX that I still pay to on my truck. The credit report shows that XXXX XXXX has a negative mark on mine so that was how I decided to research. I have learned that I still owe them {$4700.00}. 

I decided to call XXXX XXXX XXXX who I first made payments to before it was transferred to XXXX XXXX. The total of the truck worth was actual {$30.00}. However, I paid for over 5 years which is from XXXX, XXXX to XXXX, XXXX which brings to over {$31000.00} but I also recently paid from XXXX, XXXX to XXXX, XXXX so that is total of {$3100.00}. I already paid {$31000.00} AND total of {$3100.00}, so in together on two amounts, I paid over {$34000.00} AND XXXX XXXX XXXX did not report to you ... I paid to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, which I believe is over {$7600.00} because with XXXX XXXX XXXX was first I paid to ... about {$540.00} per month. {$7600.00} was paid to XXXX XXXX XXXX. It is the total of {$42000.00}. So {$42000.00} was already paid!! And too much!!! My truck should be paid off a long time ago. 

However, XXXX XXXX XXXX said I owe them more, that is the amount of {$4700.00}!! What?! If so, it would be {$47000.00} later on! The real price was {$30.00} when I first bought it! XXXX XXXX has ripped me off big time. I did call XXXX XXXX XXXX to find out why they did not report to 3 credit bureaus since XXXX XXXX XXXX is missing on all. However, the problem falls on XXXX XXXX because agreement was on 6 % or 8 %. It is still too high ... I would pay over {$17000.00} MORE! I ask you to investigate on XXXX XXXX. They know I am XXXX. I believe they took advantage thinking I would not investigate this further. Thanks to Experian that shows XXXX XXXX has a negative mark. 

I complained to you about XXXX XXXX yesterday for the wrong info on late payments in XXXX, and XX/XX/XXXX and it was first. I sent them the letter of going to be late and promised them that I would pay FULL AMOUNT and I did. They did not put me in a good standing. So with that information, I dug further on XXXX XXXX so that was when I realize I have paid too much on my truck already and it should be paid off. Please investigate on XXXX XXXX and penalize them!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX 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 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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

I keep writing to bring to their attention a serious matter related to my consumer rights, which, I believe, their company has breached. The particular rights in question pertain to the validation and reporting of that debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. However, their organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, I have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation.
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. 

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

please report my XXXX XXXX company cant do it for one and not for another person FCRA laws SEE attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI Collections is reporting a debt on my credit report that is not mine. I recently checked my credit and noticed this debt on my credit file. I called immediately and told them this could not be mine as the original creditor was XXXX XXXX XXXX and I have never had an account with them. This collection is erroneous and needs to be removed from my credit file.
Product: Checking or savings account

XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX **Re : Complaint Against Valley Bank for Unlawful Account Closure** Dear CFPB Team, I am writing to file a complaint against Valley Bank ( XXXX XXXX XXXX, XXXX, NJ XXXX XXXX regarding my Valley XXXX Checking Account ( XXXX XXXXXXXX ). I opened the account on XX/XX/year>, but it was closed shortly after without explanation. The funds are being held without cause, and my attempts to resolve this have been ignored. I feel discriminated against. 

Please investigate this matter and ensure Valley Bank releases my funds and provides a valid explanation. 

Thank you. 

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

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my XXXX and Equifax report on XXXX XXXX XXXX and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

Blitt and Gaines filed XXXX lawsuits against me without my knowledge. They did not send me any information of a verification of the debts or any validation notices. I did not know about the lawsuit in first case until I received a settlement letter after I contacted them for a XXXX XXXX account at the direction of XXXX XXXX in attempting to get a loan modification. The second lawsuit was mentioned in a response to a CFPB complaint. These are illegal tactics and on the internet you can see endless complaints occurring from this company. If XXXX XXXX had not directed me then I do n't know what they would have done to me or still might be doing to me since they are deceptive in their tactics. I will be a XXXX in a few years and I understand this can be ongoing for many years to come. I also do not have information of the outcome of either of these lawsuits from either Blitt and Gaines or XXXX XXXX, since no one ever sent me any correspondence in the mail. Furthermore they never sent any information of the actual debt they are suing me on, to prove that they actually have the right to sue, what the fees and charges are, how the breakdown is, etc. I have been trying to get information from XXXX XXXX since approximately XXXX, 2015 and there has been no response to any of the information I have requested in detail except for general repetitive form letters.
Product: Checking or savings account

I made a instant XXXX XXXX  deposit been an hour still not in my account I do this every week y are the bank holding my money I contact XXXX XXXX everything good with them its the bank PNC
Product: Debt collection

XXXX referred an alleged debt to a collection agency and the debt was not discharged in their favor. The have subsequently sold the same account to XXXX other collection agencies. 

I am being harassed by these companies for a debt that has been settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I filed a dispute for an account being reported, under the name XXXX XXXX XXXX XXXX for {$470.00} on my Equifax Credit Report. 

Today, XX/XX/XXXX I spoke with a Equifax and was told, first that their was a remark on file for the filed dispute. I said this dispute is a great deal beyond XXXX days and legally under the Fair Credit Reporting Act must be removed from my report, as the investigation was not completed, just acknowledged as " under investigation : in XXXX. 

Equifax then back tracked and said there was a mistake, there is no remark on file, but I can filed a dispute now.
Product: Debt collection

XXXX XXXX  XXXX ( XXXX XXXX I, XXXX ) www.cavps.com has been pursuing me for {$320.00} they claim I owe Macys. I believe the whole bill stems from a miscalculation in XXXX that accrued over {$300.00} of interest charges, it was not any purchase I made. In any event, the charge off date was XX/XX/XXXX. 

They have been harassing me for years. I told the previous collection agency, XXXX, that this debt was not mine and I told XXXX the same thing. They continue to write me and it is very upsetting. I am XXXX XXXX XXXX. I live on a small social security income and my husband passed away during XXXX. I have asked them to leave me alone but they will not. I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt collectors who put unauthorized inquiries on my credit reports. The creditor of these inquiries did used misconduct and fraud while invading my privacy because I did not give them permission to pull my credit, nor did I give them permission to allow others to pull my credit at the same time. I did not give them written nor any permission AT ALL. The FCRA states it is against the law to report anything on my credit report that I did not authorize or want to be or should be not there!! I reached out through dispute XX/XX/XXXX on XXXX inquiries with XXXX that were not authorized, nor had my signature or anything to pull my credit and the investigation came back in one day from XXXX stating that this remains the same. How dare they come back in a day without any investigation with no change or deletion. Their bad tactics and incompetence behavior to help the customer is appalling. 
This was not authorized none of the inquires I disputed on all credit reports. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES,
Product: Checking or savings account

XXXX case # XXXX XXXX XXXX account ending XXXX ( XXXX XXXX ) XXXX Noticed XXXX unauthorized transactions in the account ending in XXXX totaling {$XXXX}. 
XXXX Contacted bank in person with XXXX XXXX XXXX in the XXXX, XXXX branch and disputed all XXXX transactions. 
XXXX Received an email with details of those transactions to verify. 
XXXX Received a letter saying that we are still investigating. 
XXXX Received credit by reversing all XXXX transactions. 
XXXX Received a letter stating, " Its not the banks errors ; therefore, the customer ( XXXX XXXX ) is responsible for those transactions. 
XXXX Bank debited back for all those transactions. 
XXXX I contacted XXXX XXXX XXXX in person at the XXXX, AL branch and expressed my concerns. 
XXXX Followed up via an email to XXXX XXXX XXXX. No response. 
XXXX Followed up via an email to XXXX XXXX XXXX. No response. 
XXXX Received a letter from XXXX XXXX with the same statement as a letter dated XX/XX/year>. 
XXXX Contacted bank in person with XXXX XXXX XXXX in the XXXX, XXXX branch for reconsideration. 
XXXX I Followed up via an email to XXXX XXXX XXXX & XXXX XXXX XXXX. NO RESPONSE. 
XXXX Email to XXXX XXXX to produce documents. 
XXXX Received a reply confirming the Award-Wining service will contact you within XXXX business day. NO RESPONSE! 
XXXX Send a follow-up email to Customer Solution. NO RESPONSE AS OF TODAY ( XX/XX/year> )!
Product: Debt collection

XX/XX/XXXX Executive Credit Management , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Re : XXXX XXXX Dear Mr. XXXX : Kindly be advised that I am in receipt of your letter to XXXX xxxx in regard to the above captioned matter. I do admit to signing a one-year lease with Mr. xxxxxx in XXXX. However, I deny any and all allegations, nor do I take any responsibility to your claim of a dept in my name or any known alias. 

After one year of residing in the apartment and the lease went to a month to month basis ; Del Code 70 Del. Laws, c. 513 1 ; 79 Del.  Laws, c. 47 20 ; 5106 ( a ), I provided XXXX XXXX with notice in XXXX of my vacating the property and moving to Pennsylvania. 

My letter providing notice of vacating the property was hand delivered to the office manager/family member of the previous XXXX owner, Ms. XXXX xxxxxxxxx along with that months rent. Whereby, Ms. XXXX xxxxxxxxx verbally acknowledged receipt of my notice to vacate the property. Del Code 70 Del. Laws, c. 513 1 ; 5707 ( b ) ; Del Code 70 Del. Laws, c. 513 1 ; 5113 ( a ) ; Del Code 70 Del. Laws, c. 513 1 ; 5114 ( 1 ) ( 2 ) ( 3 ) At such time, it was the responsibility of XXXX to  ensure the credit worthiness of Mr. xxxxxx solely residing in the apartment. If XXXX felt that there was no such worthiness, they had ample time to notify Mr. xxxxxx that he would be evicted. 

Additionally, no notice was ever provided to me at my Pennsylvania residence that Mr. xxxxxx had fallen behind on rent or that over six months of back rent was due ; Del Code 70 Del.Laws, c.513 5502 ( a  ) ( b ), verifying that, in fact, XXXX was not a party to the lease. 

I understand that XXXX had sold ownership in the last year, as I personally know the previous owners. I also understand that during the process of taking new ownership of such a large rental complex, a thorough investigation perhaps was not done. I therefore, suggest a reexamination of this matter. 

In the meantime, please cease and desist your harassment of mailing letters to Mr. xxxxxx to my home. Mr. xxxxxx now resides at xxxx XXXX XXXX, XXXX, DE XXXX. 

Furthermore, please cease and desist your harassment and erroneous claim of dept in my name or any know alias. 

Very truly yours, XXXX xxx xxx Cc : XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX  said it would take 2-4 days to transfer my funds to my bank account and they have yet to move my funds. Its been over a week now!!!
Product: Mortgage

Contacted Champion Mortage about closing and payoff for home as of XX/XX/XXXX. I have not received any information from then to this date.We need to sell this house because no longer residing there. Champion Mortage seem to be blowing us off with the final pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of Inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX is XXXX paid account reporting negatively on my credit report and it is not mine. I want it off. As well as CITI from XX/XX/2013.
Product: Debt collection

I dont know where these collections came from I just turned XXXX on XX/XX/XXXX and I tried to look in my XXXX account and I see these collections that I am not aware of I also got robbed and my personal information was stolen that includes my state ID and my Social Security card