23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have never missed a payment or been late on my mortgage, however I received an escrow analysis on XX/XX/XXXX indicating a shortage of over {$3000.00}. Based on the records I have ( mortgage statements, tax payment statements, and escrow account statements ) I determined that one payment issued to pay my property taxes was never received by my county tax collector. CMG Financial issued this payment on XX/XX/XXXX in the amount of {$3000.00}. The county tax collector 's records show this payment was never received. My escrow statement shows that later, on XX/XX/XXXX, TWO payments were issued from my escrow account, though only one payment was due at that time. My property tax statement shows these two payments credited to my account as well as a late fee having been paid. This indicates that the initial payment ( the XX/XX/XXXX payment ) was never received, and CMG issued the two payments for the current amount due and the past due amount and paid a late fee. My taxes are due in two installments, and for this tax year CMG deducted THREE payments from my escrow account. The account was never credited back {$3000.00} for the missing payment, thus resulting in the escrow account shortage. I am now being charged an additional {$280.00} each month added to my mortgage payment to make up for this shortage which I do not owe. To keep my mortgage in good standing I have had to pay this amount twice now and it is due again on XX/XX/XXXX. I have called customer service multiple times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been told that the issue will be fixed, but it is now 3 months later and nothing has been corrected. Each time I call I am told the issue will be researched, and the latest information I received was that CMG is waiting for the county tax collector to send back the XX/XX/XXXX payment ... A PAYMENT THAT WAS NEVER RECEIVED! I am at my wits end and can't continue to pay money I don't owe every month. It feels like this mortgage company has stolen {$3000.00} per month and there is nothing I can do about it! Please help!
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX This vehicle has had a recall or service issue that has needed to be addressed nearly every month. The additional time and cost, both psychological and monetary, of handling these issues has not resulted in restitution. Additionally, this vehicle is unsafe to drive - there is an active recall, active for over a year, that can result in the voltage terminals melting. I am not able to earn income through this vehicle leasing it through platforms like XXXX, because the battery voltage issue makes the vehicle unsafe to drive. I have no choice but to use the vehicle, but as mentioned and acknowledged by XXXX, it is unsafe to drive. This vehicle was delivered nearly a year late from production date, and I have had numerous issues that have had to be repaired - door welding, warped columns, and audio buffer issues that have resulted in the vehicle making unsafe, disorienting sounds. The screen has turned off during driving making the operating of the vehicle dangerous and unpredictable. All the issues that the vehicle has needed to be serviced for, as well as related recalls, and operating bugs, can be provided by XXXX XXXX XXXX. The vehicle has only been serviced at XXXX facilities. The VIN is XXXX. This complaint is both to XXXX XXXX XXXX, for failure to deliver a completed vehicle, and to Chase Auto, for failing to delay the payment schedule based on vehicle inoperatability.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for title loan due financial hardship the loan was for {$1000.00} XXXX XXXX XXXX, I was told by XXXX that my payments were {$120.00} a month for 12 months and if I wanted to resolve loan faster to pay more I paid my monthly payments as told some months even more & when my 12 months was over I requested my title back and was told that I still owed {$1000.00} and that the {$120.00} was finance charges and did not go towards loan..I was mislead by terms of loan by XXXX who is no longer an Employee there I then reached out to the Operations Manager XXXX XXXX XX/XX/XXXX who advised that if I made a couple of payments in the amount of {$160.00} he will release my title so I did in XX/XX/XXXX I requested title again they refused and advised that I still need to pay {$1000.00} I have given this company over {$2500.00} to date & they still refuse to release my title and requesting more payments.
Product: Mortgage

XXXX XXXX allowed my nephew and my mother two loans on my home.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of identity theft. An unauthorized individual fraudulently used my personal information to conduct hard inquiries on my credit report and falsely claimed me as a dependent on their tax return without my consent. I first became aware of this issue when I noticed unauthorized hard inquiries on my credit report and later discovered that my Social Security number had been used improperly for tax filing purposes. I did not authorize these actions, nor did I provide my personal information for such use. I am requesting that this matter be thoroughly investigated and that the fraudulent activity be corrected immediately. Additionally, I ask that any fraudulent inquiries be removed from my credit report and that the IRS take the necessary steps to rectify the false tax filing. XXXX 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: Credit card or prepaid card

I asked the company ( Bank of America ) not to close my account. I do not want the account to be closed, and I have 100 's of bill payments from my account ending in XXXX at Bank of America. I ask that my account is reinstated and put back in active status by Bank of America. I asked for the company ( BOA ) to reopen/reactive my account ending in XXXX. I am a member in good standing, always, and I pay my bills at the time each time. Please confirm in writing by both EMAIL and US Mail. I would like to hear from executive office of Bank of America. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Checking or savings account

US. bank randomly charges services fees to my checking account. I caught them in tha past and they stopped when I told them I had the recording of the phone call admitting to the fact that the service fees were actually them charging me to analyze my account. I told them to stop this activity and stop charging me for it and they did after I told them I had evidence to prove they are lying about the fees. Now I have opened XXXX new accounts with them and they have started doing this to both of these accounts. I called last month and they tried to explain is was for paper statements and that I needed to sign up for electronic.THIS IS COERCION and they are lying again because I know that it is a random " service charge '' and that is what it says on the statement and nothing more. It was not required of me at the onset of the account to sign up for paperless to avoid these fraudulent fees this is coercion and when I called last month and explained that I have had my other XXXX accounts at their bank for many years without this random " service charges '' that would vary in price and sometimes be added twice in one month used to show up for their own " analysis '' to be done on my account that they were attempting to charge me for. The charges actually used to say " Analysis fee '' on my statements but now they are disguised as " service charges ''. When I called last month the charges were refunded and the scam " service charges '' did not show up all but one of the accounts as before but on XX/XX/year> one account was charged XXXX for again a random " service fee '' ( last time it {$6.00} ). And this time when I called the person was rude and said she would not refund the money unless I signed up for their paperless statements which I do not want to do plus US bank sends me tons of paper advertisements in the mail that look exactly like my bank statements but when I open them they are ads for other US bank products are they telling me I'm paying for that to be mailed to me too. THIS IS COERCION! And THEY ARE LYING - I was not charged these " services charges '' for the paper statements I know exactly what these charges are because I caught this bank red-handed before. I want the XXXX fee reversed on my XXXX account and all the fraudulent " service charges '' and the coercion to cease and deist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - account number XXXX. ( Please see page 2 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

A flight was purchased on XXXX/XXXX/XXXX for a trip to XXXX XXXX, XXXX for XXXX XXXX, XXXX flying on XXXX XXXX purchased through JP Morgan Chase XXXX XXXX XXXX website with my Chase XXXX XXXX credit card for {$680.00}. The airline entered into a pilot strike one week before the flight. As a result of the pilot strike the flight was canceled, I purchased another flight from an alternative airline ( XXXX XXXX ) for the same dates through Chase benefits and requested a refund from Chase. I was forced to open a claim rather than recieve the funds from the canceled flight, they want paperwork from an airline that will not return my calls, I have told Chase time and time again they ( XXXX XXXX ) do not even pick up the phone. The flight was canceled in XXXX XXXX and it is now XXXX XXXX, I have yet to recieve any type of credit from JP Morgan Chase. Several individuals, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, as well as several others have received their refunds from their respective Credit Cards by submitting claims with their CC or by filing a claim with the CFPB. I keep getting the run around from Chase XXXX XXXX, their site specifically says that i am eligible for a refund as a result of the pilots strike, but they refuse to process my claim.
Product: Credit card or prepaid card

My ex opened these cards. Capital one, refunded me money back to my bank account, after she used it. I never opened this cards. As there is 2 cards. I never agreed to them. This is fraud issue
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has posted on my account that I did not pay XX/XX/scrub>XXXX XXXXXX/XX/year> And placing a late payment on my credit report which is totally incorrect due to me always making my payments on time this is a mistake and I asked for it to be fixed and those late payments to be removed from my report.
Product: Payday loan, title loan, or personal loan

I took a loan of XXXX in XXXX. Allotments were taken out from my military direct deposit for XXXX $ a month until XXXX, totaling XXXX . I stoped the allotment in XXXX, they claimed that I renewed the loan. I fear they are scamming military families in need. They have no email or phone number, they have hit my credit every month. I am trying to rebuild my credit, and they are ruining my life over a scam.
Product: Credit card or prepaid card

I was billed on XX/XX/2017 in the amount of {$6200.00} as well as for {$38.00} on XX/XX/17 total fees charged {$6200.00}. 

These late fees must be credited back as all the charges and entire balance was resulting from disputed transactions due to an ongoing problem we had with these transactions with a merchant. when you sent me a letter regarding the dispute, you stated you will credit the charge plus all associated interest late fees. The charges were indeed credited back, but American Express never credited me back for the interest fees and late fees associated with these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX ordered Bankruptcy was not protected. Discharged accounts were sabotaged taken and sold by bankruptcy debt buyers. The suspects go by the name of XXXX XXXX. XXXX XXXX  XXXX XXXX, NJ XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This company is mysteriously listed in my bankruptcy. Chapter XXXX discharges all debt however the company is listed in a XXXX after that. And I never owed that company anything. The company is a bankruptcy debt buying company with the main interest in chapter XXXX and XXXX debt only. ( if proper authorities investigate they will discover the same truth ) I have become a victim of a very serious crime of unlawful and unfair credit reporting with my rights being taken away by not being able to utilize the full benefits of a court ordered bankruptcy. My entire credit report has been sabotaged, scores intentionally kept low and as a result trying to rebuild has become virtually impossible. 

I know this can not be fixed, when reporting agencies intentionally report mistakes and have to fix them they almost never ever compensate the score and what was lost so I know the scores will forever be damaged. 

I am requesting the Chapter XXXX and chapter XXXX bankruptcies be removed from my reports completely. None of those discharged debts should have been left on the report for this to happen. My son just filed a chapter XXXX bankruptcy, no crime has been committed, the suspect bankruptcy debt buyer 's name is not listed in his case and all his debt has been properly removed from all three credit reporting bureaus! His bankruptcy debt has not been bought and sold. No worries of discharged accounts actively showing or inaccurately reporting. Discharged debts are a court order it is a violation to continue to report and furnish such debt as charged off, collections, lates and derogatory like you clearly see on mine. The courts ordered them discharged not derogatory ...... I will see that justice is served and I am compensated for all the damages. I have a whole stack of credit denial letters listing I have charge offs, accounts with high and unpaid balances, collections and derogatory accounts. While my credit reports furnished from XXXX, XXXX and Trans Union state otherwise. The reports were altered for what they wanted me to see. all positive reporting!
Product: Debt collection

Over the last month or so, the collection agency named Optimum Outcomes has started reporting medical debts on my credit report. Prior to these new medical collections appearing on my report, I am not receiving any notice whatsoever. To my understanding, the Fair Debt Collection Practices Act requires a collection agency to provide a 30-day notice to dispute, before they report accounts on my credit report. Apparently, Optimum Outcomes is waiving this requirement, and reporting these medical bills on my report without notifying me first ; and giving me an opportunity to act.
Product: Credit reporting or other personal consumer reports

Dear everyone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity. If can not verify please delete XXXX XXXX : WRONG PAYMENT HISTORY XXXX XXXX : WRONG DATE OF LAST PAYMENT RECEIVE XXXX XXXX : WRONG COMMENT ON TU SUPPOSE TO BE THE SAME AS XXXX XXXX XXXX : ASKED FOR PAY DOCUMENTS & they sent charges TO THE ACCOUNT NOT MY PAYMENT SUCH AS BANK NAME OR ROUTING. This is a violation XXXX XXXX : THIS ACCOUNT HAS BEEN RE-AGED 2 different DATES XXXX XXXX  : THIS ACCOUNT SAYS I HAVE A MONTHLY PAYMENT ON XXXX BUT NOTHING ON TU XXXX XXXX : WRONG CREDIT LIMITS ON BOTH CREDIT BUREAUS XXXX XXXX : Send payment from XXXX cause i have 2 dates on payment received should only be on last payment date & not charges to the account bank name or route number XXXX XXXX : Payment history is invalid or incorrect/ inaccurate. XXXX + XXXX on TU & XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on my credit report 90 days on transunion & 60 days on XXXX different worst payment different last reported & different last payment. No account type. Im sorry but this account inactive doesnt want to update please delete this account for frca rights XXXX XXXX XXXX : 90 DAYS LATE ON TU & 60 DAYS LATE ON XXXX THIS ACCOUNT IS INACCURATE COMMENTS ARE WRONG ON TU & NO ACCOUNT TYPE ON XXXX BUT TU HAS IT & I ASKED FOR last PAYMENT & THEY SENT ME CHARGES NOT MY BANK INFORMATION OR ROUTE NUMBER DEBT NUMBER SOMETHING NOT NO CHARGES BUT THIS ACCOUNT CONNOT BE VERIFIED TRANSUNION HAS NOT UPDATED ANY ACCOUNT I PROVIDED & that A VIOLATION PLEASE UPDATE THESE ACCOUNTS COMMENTS OR REMARKS Please delete both account due to incorrect inactivity inaccurate information 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity I just want these accounts deleted
Product: Credit reporting or other personal consumer reports

This account was charged off {$4.00}, XXXX and written off. {$4.00}, XXXX. This company is illegally reporting this account on my credit profile according to XXXX USC 1681s-2 ( a ) ( 1 ) ( a ) The IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Note : I received a message an account already existed for me, but this is the first time I used my new email to file a complaint with CFPB ; more proof of Identity Theft! 

On or around XX/XX/XXXX I was denied credit because of fraud & /or identity theft getting reported by XXXX lowering my credit score. 

I lived in XXXX, XXXX for over a year so it is impossible that the information is accurate, especially because all my imported USA property was stolen abroad & upon my repwiatriation in XXXX. 

This is blatant retaliation discrimination ( as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, notice the date this occurred was XXXXXXXX XXXX XXXX  & the TX XXXX  is getting XXXX  most from XXXX  which even XXXX XXXX legally are protesting have it end & President Biden is discussing it with the President of XXXX ) which I have attempted to dispute with all my credit bureaus in the past directly and that is more trouble than it is worth ( waste of time & money ), so I'm filing a complaint with your organization. 

Comenity Bank used my XXXX credit report to justify denying me continuance of credit with my Victoria 's Secret Credit Card. 

The following information was given as reasons, but all of it is inaccurate : " Lack of real estate secured loan information Balances on accounts too high compared to credit limits and loan amounts Too few accounts paid as agreed Not enough balance paid down on installment accounts '' Concisely, to prove the inaccuracy of this information I do not have a house nor any loans in my name at this time that would effect my credit ( the student loans I have are deferred or deferrable ). 

My Victoria 's Secret credit card is the only account I had & I paid it off as agreed & had a {$700.00} limit with a XXXX balance. I filed a separate complaint on Comenity Bank. 

Additionally, all my USA property that I imported to XXXX, XXXX where I had lived from XX/XX/XXXX, well over a year was stolen and all my luggage when I repatriated XX/XX/XXXX, further proving identity theft & fraud/online scammers. I know the loans weren't done in person because none of the loans would have been approved & the irony is if I had applied I would have been denied, therefore, I don't know how the loans & credit was issued. 

I would sue those responsible, but they never give me their names & this complaint is to stop their use of my credit which I didn't utilize abroad in XXXX nor have I upon my repatriation, except to continue using my VS credit card that prior I had to report as stolen. 

In closing all of the XXXX listed loans & credit cards adversely effecting my credit score belong to someone other than me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I received a copy of my credit report and found a host of inquiries that i was unaware of that I had pulled during the purchase of my car last year as well as other inquiries from loan requests. I'm hoping to get these inquiries removed as they are affecting my credit and my ability to further my credit abilities any help is greatly appreciated. 

XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX  Experian XX/XX/XXXX XXXX XXXX  XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX  Experian XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX  XXXX XXXX Experian
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX opened on XX/XX/year> with a balance of {$440.00} is reporting to my credit reports inaccurately. There are multiple inaccuracies such as the account status, payment history, and phone number for this collection account. I have disputed this collection account with Experian, TransUnion , & Equifax credit bureaus and have not received an accurate investigation. 

This account is not showing maximum possible accuracy according to XXXX XXXX XXXX ( b ), the payment history, account status, & phone number is not accurate - Delete Account Immediately for violation of XXXX XXXX XXXX ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX ( XXXX  ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal. 

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..