23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I discovered this {$610.00} debit on my credit report witch was a utility debt from my ex wife So I paid off, and receive a letter from collection agency saying that I do not owe anything. I have sent this letter to all XXXX agencies, and never get any answer from them. This has been 5 years since I have paid the debit, and it still showing in my credit report as unpaid on XXXX AGENCY So my credit is lower then it should be only because of this derogatory item.
Product: Debt collection

I paid this credit card collections debt that was owed as a pay to delete, but my credit report is still showing the account is still derogatory instead of being removed from report which was discussed before paying that it would be when debt is satisfied. This account was passed to a third party collection agency. The account was paid through the third party and I no longer owe any debt to the collectors or original bank.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXXXXXX Please remove it from my credit report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX 9. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

Wells Fargo had advised me of how much my mortgage payment would be after the month of XXXX. I was about to make a payment and they had increased the amount I saw on my statement. When i inquired about it they told me I had NOT paid my escrow and they added that into yet another payment amount. After some research they told me i was correct and they would make the adjustment to my mortgage because I just caught up with all {$13000.00} fees and mortgage.
Product: Checking or savings account

On Monday XX/XX/XXXX I deposited {$5200.00} in cash and a check for {$2300.00} at the ATM of Bank of America located at XXXX XXXX XXXX in XXXX MA. After depositing the money the machine shut down and I was unable to get a receipt. I called the number on the ATM and after waiting a while got connected to a person. The person explained that they would do some research and I would get a temporary credit to my account within 48 hours. I waited until Thursday XX/XX/XXXX and there was no credit to my bank account. I called the bank and after waiting on hold was eventually put in touch with a representative. The person after a while said she could see no pending credit and transferred me to the fraud department. After waiting on hold again I finally got a representative who then told me that it takes 10 business days to get a temporary credit. I was so mad. I told him that his colleague two days earlier had told me on a recorded tine that I would have the credit in 48 hours. I also asked him why it takes 10 days to balance an ATM machine, there was a camera over the ATM which clearly showed me making the deposit and this to me is completely unacceptable.
Product: Mortgage

My mortgage company, SLS, did not pay my XXXX county property taxes, despite me paying escrow every month. I was never informed of the nonpayment, and I just found out ( XX/XX/XXXX XXXX on my own accord that I am delinquent and owe {$5100.00} in back taxes ( which is {$680.00} more than the original tax bill of {$4500.00}, because of late penalties ). For background, I purchased the house in XX/XX/XXXX and another company ( XXXX ) originally held the loan. The loan was transferred to SLS, effective XX/XX/XXXX. Taxes were due XX/XX/XXXX. As a side note, SLS did provide me a {$4500.00} " refund '' via U.S. mail in late XX/XX/XXXX ( after SLS had conducted its annual escrow analysis of my account ). However, the only context SLS provided about this refund was that the payment was because of an " escrow overage. '' Again, at the time, they were unaware they had never paid my XXXX taxes. Phone records will show that I called SLS after receiving the check and asked what it was for. I asked the representative two or three times if I owed this money to the government and he said no, the money is yours ... it's just from an overage. To reiterate, at no point did SLS or the representative inform me that the {$4500.00} overage reimbursement was for taxes. When I spoke to SLS a few days ago ( XX/XX/XXXX ), they were surprised to learn they had never paid the taxes from XXXX. They have since paid the back tax bill, covering only the fees. They charged me with the principle, which I now have to pay as an escrow shortage.
Product: Mortgage

I applied for a review on my mortgage to have the amount due each month reduced with Chase Bank, after a couple of months, Chase came back and offered a " reduction '' which was more than what I had been paying. I declined the " partial payment protection plan '' and continued paying my mortgage without modification. Chase has since reported my account to the credit bureau 's as being under this " payment protection plan '' and now it is having a direct negative impact of more than XXXX points on my credit score. I have filed numerous complaints and made numerous phone calls to Chase to have this issue corrected and reported correctly to the credit bureaus, to no avail. I have not signed any paperwork for a loan modification program and have notified them directly on numerous occasions that they have mis-represented my account status to the bureaus. Chase has flat out refused to make this right and now, as a result, my credit score does n't meet the minimum to apply for a new home mortgage with the VA. Please assist, if you 're able. This is devastating for me, my wife, and XXXX young children. We will be homeless in XX/XX/XXXX and Chase has refused again last week to properly report their errors.
Product: Mortgage

I am facing harassment and fraud from XXXXXXXX XXXX On XX/XX/year>, I called XXXXXXXX XXXX to ask why they are saying I owe {$7000.00} when I already paid them this amount. When I called, I was asked a series of questions, all of which I answered. I was then put on hold for a long time and then transferred to a " survey line '' which I did not call in for. 

Furthermore, XXXXXXXX XXXX  is repeatedly writing that they are charging me " Fees '' in every single XXXX of my monthly statement until I slip up and pay this bogus fee. XXXXXXXX XXXX must immediately remove this bogus fee, which is typically over {$200.00}, and never charge any consumer who is paying their mortgage every month as I have been doing. 

Based upon these facts, I demand a shutdown of all of XXXXXXXX XXXX XXXX operations in the U.S.
Product: Mortgage

I received  a Home Affordable Modification Program mod ification on my 1st loan with  XXXX . I was told since I have a 2nd mortgage wi th Citi  Mortgage I would receive the  2MP  modification for my second loan with  Citi bu t I never received it. I contacted Citi mortgage multiple times and asked my Point of Contact where these documents were, they said to wait and it would come in the mail. I waited months and still have n't received m y 2MP modification on my 2nd mortgag e. I was approved for the HAMP program with  XXXX  in  XXXX  of   XXXX   and it 's almost been a year now and I still have n't received the documentation for my automatically mo dified 2MP on my 2nd mortg age  with Citi. I would appreciate some explanation on where my 2MP modification is and when I will receive the documents. Citi mo rtgage has failed to do what they said they would do. They said since I got the HAMP modification on my first mortgage they were mailing my approval for a  2MP and I never received it. WHAT IS GOING ON!? I have also done research and on the HAMP website it says I qualify for a 2MP a utomatically. I would appreciate some help, thank you.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .
Product: Student loan

I received two XXXX Grants : ( a ) {$3000.00} for Award Year XXXX and ( b ) {$4000.00} for Award Year XXXX Conditions of the XXXX Grant that would prevent it from converting to a Direct Unsubsidized Loan were : ( a ) I must XXXX as a full-time highly qualified XXXX in a high-need field, ( b ) I must submit annually a XXXX Grant Certification that states my intent to fulfill my XXXX Grant obligation and to document the prior year 's qualified teaching service. I started teaching at XXXX XXXX XXXX XXXX ( XXXX XXXX TN ) in XXXX, XXXX and I sent certification for the calendar year of XXXX. ( Exhibit 1 ) I graduated with a XXXX on XXXX XXXX, XXXX. ( Exhibit 2 ) In a letter dated XXXX XXXX, XXXX, XXXX XXXX stated that my XXXX Grant Service Obligation Period Start Date was XXXX/XXXX/XXXX. ( Exhibit 3 ) During the XXXX school year I remained at XXXX XXXX and submitted certification for calendar year XXXX. Due to confusion, this certification was sent on two different dates ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). ( Certification 1- Exhibit 4 ) ) I transferred to XXXX XXXX XXXX for the XXXX school year. Certification for Calendar year XXXX was submitted on XXXX/XXXX/XXXX. ( Certification 2- Exhibit 5 ) I received a letter dated XXXX XXXX, XXXX from XXXX XXXX confirming that I had two years of  certification requirements remaining. ( Exhibit 6 ) Certification for XXXX was submitted on both XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. ( Certification 3- Exhibit 7 ) I received a letter dated XXXX XXXX, XXXX from XXXX XXXX confirming that I had one year of certification requirements remaining. ( Exhibit 8 ) Certification for XXXX was submitted on XXXX/XXXX/XXXX. ( Certification 4- Exhibit 9 ) A letter dated XXXX XXXX, XXXX from XXXX XXXX confirmed and stated that " ... you have fully satisfied your service obligation for the program of study ... and ... You have no further teaching, certification, or other obligations for these grants. '' ( Exhibit 10 ) XXXX XXXX then notified me that the XXXX Grants had been turned into unsubsidized loans. I have made repeated phone calls to XXXXXXXX XXXX to correct the error. In summation, my last XXXX Grant was received for the XXXX academic school year. I graduated from the XXXX Grant eligible program on XXXX XXXX, XXXX. ( Exhibit 2 ) I then fulfilled my 4 years of teaching and certification requirements for XXXX, XXXX, XXXX, and XXXX. It is my contention that XXXX XXXX has either erroneously or fraudulently converted the XXXX Grants into unsubsidized loans.
Product: Checking or savings account

I received a zelle payment from an individual who I believe is the prior owner of my cellphone number by accident. Due to to my auto accept zelle payments feature being on because I never thought that a random zelle payment would be sent to me. A payment was automatically deposited into my account. The person knowing that zelle payments are permanent reported the payment as fraud in an effort I believe to get their money back. Due to the fraud claim ally bank has now deleted my user information, froze my accounts, and is offering no means of communication in regards to help. I have called their fraud line multiple times asking for help and have either been lied to about the department who is handling it, who to speak to, what times departments are open and most recently have been told that its not their issue, XXXX told them that its fraud and due having recently been laid off and waiting for my last XXXX commission checks from my prior company and having a low balance that my account looks like a fraudsters since XXXX. Though this situation only began a week or so ago. 


Along with that Ally has stated that they will not unfreeze my account because they have already verified the situation as fraud and that I need to take it up with XXXX. So I called XXXX and they told me if XXXX was attached to my bank account that I need to speak with my bank and that they will handle it. 

I just want my money back and to quit being defamed and lied to. Upon investigation I have a voicemail that is from the person stating that they had sent the zelle and that its there and ready to go because the lady sent it to my account thinking my phone number was still her grand daughters. Though I have had this number for over a year. I now can't afford transportation, all my bills are bouncing, late fees being assessed, my mental health is terrible due to the XXXX of not being able to pay things like my car payment and getting repoed, if I cant get my insurance paid the state will suspend my license, and I cant afford my medications.
Product: Mortgage

Wells Fargo is trying to oust me from my home in a foreclosure process, despite the fact that I've prepaid {$200000.00} in principal. Their foreclosure process has continued despite my filing of a complaint.

I should not be subjected to a Sherriff 's sale to cover their outstanding balance of {$150000.00}, when my house is worth {$900000.00}. Check XXXX  for XXXX XXXX XXXX XXXX, NJ.

I'm XXXX  years old and encountering age discrimination in my career.

I've reported this before, but no response has been received.

If I were to get a refund of even apportion of my prepayments, I would still be solvent.

Wells Fargo has engaged in predatory lending business practices against me.

I'm too late for their class action complaint settlement. I'm suffering financial consequences and credit discrimination due to not being able to pay my monthly bill.

I NEED A RESPONSE!!!

I will be filing a federal superior court complaint pro se if this complaint continues to be ignored.

I was their most valued customer having prepaid mortgage, now I'm being treated like XXXX.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Delayed Money Transfer Request for Immediate Resolution To Whom It May Concern, I am writing to formally complain about an unresolved issue regarding a money transfer I initiated through Western Union on XX/XX/year>. XXXX XXXX XXXX 's stated policy that transactions take XXXX days to complete, my recipient has still not received the funds as of XX/XX/year>. 

Transaction Details : Sender Name : [ Your Name ] Recipient Name : [ Recipients Name ] Transaction Number ( XXXX  ) : [ Your XXXX  ] Amount Sent : [ Amount ] Date of Transaction : XX/XX/year> Timeline of Events : XXXX. On XX/XX/year>, I contacted Western Union to inquire about the delay. I was assured the funds would be available within 24 hours.

2. Over the past five days, I have contacted your customer service team multiple times, yet no satisfactory explanation or resolution has been provided. Each time, I was told the issue was being escalated, but no action has been taken. 



Impact : This delay has caused significant inconvenience and distress, both to myself and to the recipient, who urgently needs these funds. The lack of transparency and accountability in addressing this matter is unacceptable.

Request for Resolution : 1. Immediate Release of Funds : I request that the funds be made available to the recipient without further delay.

2. Formal Explanation : Please provide a detailed explanation of the delay in processing this transaction.

3. Refund of Fees : I request a refund of all associated fees due to Western Unions failure to fulfill its service commitment.

If this matter is not resolved promptly, I will escalate my complaint to relevant regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other financial regulators as necessary. 

I expect a response within two business days. You may contact me via email at [ Your Email Address ] or by phone at [ Your Phone Number ].

Thank you for your immediate attention to this matter. Sincerely, [ Your Full Name ] [ Your Contact Informa
tion ]
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX BALANCED {$1600.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX BALANCED {$30000.00} XXXX XXXX  XXXX BALANCED {$3100.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

there i a hard credit inquiry on XX/XX/21 from Citizen Bank that i did not approve or even apply for credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX Transunion Inquiries XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *HAVE ALREADY CONTACTED THE CREDITORS AND THANKFULLY NO ACCOUNTS WERE OPENED DUE TO THESE INQUIRIES. JUST NEEDING TO GET THESE INQUIRIES REMOVED SINCE THEY WERE FRAUDULENT*
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened a Citibank credit card back in XXXX. The account I opened have monthly fees associated. Im in good standing with my account making my minimum payments monthly on time. Ive reached out several times to request alternative product to help in fees and interest. My account is always ineligible to be converted. Ill never be out of debt with this card unless I pay the card off in full. Im really frustrated and disappointed that Citibank will not help me and do not value me as a long time customer in good standing.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2020 I was contacted by the seller XXXX XXXX XXXX to transfer the money through XXXX, for {$500.00} for a handbag they were selling on the XXXX application. The seller preferred through XXXX and stated that she banked with XXXX XXXX  as this was the most convenient service. The seller provided me with her number and we were on the phone, as soon as the transaction went through, the caller hung up immediately. I called back and was blocked, I received a message reporting that the caller has not setup their voicemail. 

I contacted my bank, Bank of America immediately after this happened and was told that I would not be able to retrieve my funds, I explained the situation that it was a scam, but was told that there was nothing they could do. I said I have text messages but said that they would not be able to help. I asked why, they said that XXXX is not XXXX. I pleaded with them that I was scammed and was told it was my fault and neither XXXX or Bank of America reimburse.
Product: Vehicle loan or lease

I have been trying to make extra principle only payments to my boat loan at south state bank. They have been taking interest from these payments and Ive contacted them to resolve it but they tell me its a third party website and they dont know why it didnt go to only principle. 
Then my regular monthly payments now go only to interest!?! I called again this morning and they couldnt tell me why this is happening. I lost XXXX this month alone due to this and they cant tell me why?
Product: Credit card

Hard Inquiries reported on my credit report without my permission or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Chase has reported to credit reporting agencies that the business credit account with them was " charged off '' while the card were paid as agreed and Chase refuses to recognize that they were not able to accept payments remitted because it was illegal to so do after the credit bureaus INCORRECTLY reported a bankruptcy filing.