23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I noticed an unauthorized charge on my credit card from XXXX XXXX via XXXX  pending on XX/XX/XXXX. It was a charge coming from XXXX ( charged in XXXX ) that I have never made online. I was in the U.S. the entire time and have no plans to visit XXXX this year. I double checked my booking.com account ( updated my password ) and there was no such charge made under my name. I called Citibank immediately to report a " fraudulent charge ''. The gentleman from Citibank said I do not need to worry about the charges while this charge is under investigation for fraudulent dispute. He canceled my old credit card and issued a new credit card that day. 
I do not know how long Citibank takes to investigate this item ; however, I think it is only reasonable that I be issued a " conditional credit '' in the meantime while Citibank conducts its investigation. 
On further research, it appears XXXX has been hacked in XXXX. 
I have attached the disputed item from Citibank. ( In general, I do not use my Citicards for international travel due to their foreign transactions fees ).
Product: Debt collection

I requesting validation of debt and never received an response. I do not owe a balance on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed my XXXX credit card account that still showed it as open on my Experian credit report. I even attached emails as proof - the same proof that I am attaching in this complaint now. 

This account was closed on XX/XX/XXXX. I have submitted proof but yet Experian denied it and yet it still remains on my credit report. It needs to be removed. Yesterday ( XX/XX/XXXX ) they completed their investigation but it still shows it as open. Their dispute investigation results were as follows : The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

I don't understand how they could make that determination that the account was still open when in fact IS NOT! There is no email address or form to contact Experian about this. I could not re-dispute this either.
Product: Mortgage

I originally had bought a condo here in XXXX in XX/XX/XXXX with an interest only 80/20 loan. The 80 % was a 5-yr ARM and the 20 % was a Heloc. I had used a loan officer in XX/XX/XXXX to deal with the bank at the time ( XXXX was first then XXXX then XXXX XXXX XXXX and now XXXX ) which was XXXX XXXX XXXX. They told us no as I did not qualify for any programs at the time even tho I was never late and had high credit score. At 5-yrs I contacted them myself to same end. Then with the rates so low it adjusted in half and continued to remain low with each adjustment at every 6 months. Then I retired in XXXX XXXX and in XXXX of this yr they sent letter saying they were charging me XXXX dollars each month towards principal along with the continuing XXXX plus dollars interest. I have paid at least XXXX dollars interest only on the loan. I called them after receiving the letter only to be told i had XXXX options. Lower rate which I was already at lowest or extend term of loan but that it would cause me to have higher rate which would wash out savings. So they told me to best stay at where I was. I paid the principal only for XXXX then just stopped paying both banks, XXXX and Chase. I know XXXX has several lawsuits against them thus far. No harrassment as of yet, but My loan is going into default then foreclosure soon. I am contemplating seriously Chapter XXXX Bankrupcy. My credit was at XXXX plus or minus til this month.
Product: Credit reporting or other personal consumer reports

I was XXXXXXXX XXXX XXXX XXXX XXXX XXXX caused by an XXXX XXXX  who made an illegal turn, while one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX/XXXX  a XXXX  for almost a year after the XXXX  unit for a month. Im waiting for my third XXXX, Im still recovering over 6 yrs later. 
XXXX has had no empathy or compassion for my circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX a check but it wasnt enough for XXXX, I bought gap coverage from XXXX that was supposed to cover the difference. 
My lawyer tried to contact XXXX to make sure it was taken care of and even with proof of representation they wouldnt speak to him, so he assumed it was taken care of they refused to deal with the person who payed everything when my settlement came in. 
They just took the balance and threw it on my credit report as not paid, being late 30 60 & 90 days. Now being XXXX  as a bad debt which is a complete lie. 
Its not my fault that they refused to speak to my lawyer who dealt with everything when I was unable. 
My list of injuries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc etc etc etc.. I was in no position to deal with bills & Im still not.

I was unable to return to my career that accident ended my 20+ yr career. 
Ive disputed this information repeatedly and they just keep throwing it back onto my credit report, Ive included the check from XXXX XXXX and the gap information from XXXX that is supposed to cover the balance if the insurance didnt. Ive also included the email from my lawyer stating that he has tried to contact XXXX but they refused to talk to him. Everything is always ignored and the bad report is never changed. 
I went to XXXX reviews and wrote a review to find out that XXXX definitely has predatory loan behaviors and has consumers begging others to not get loans through XXXX. 
Ive also filed a complaint with the XXXX, XXXX response was that even with the gap the car wasnt paid off but thats what the gap was for to cover what the insurance doesnt. XXXX XXXX paid over {$11000.00} the car only had around {$15000.00} so the gap couldnt cover around $ XXXX? Isnt that what its for? If there was a balance still owed they refused to speak to my lawyer who was in charge of the payouts from my settlement, how is that my fault? 
Theyre claiming I still owe over {$1800.00}, which I dont.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I found collection accounts that were reporting on my credit that I did not recognize. Also, I discovered that the XXXX collection accounts were the same account but reporting twice with the same information. Except, XXXX was under the collection segment of the report and the other was under a different segment. 

The XXXX identical collection accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} I will include a copy of my credit report and some other documents as well.
Product: Credit reporting or other personal consumer reports

There are multiple old address on my credit profile that are not mines. I communicated and wrote these credit bureaus such as experience XXXX and XXXX. I have gotten no response and these credit bureau have not complied with my request. These old in accurate information are hurting me and my family situation And lifestyle due to identify theft Im currently going thru
Product: Credit reporting, credit repair services, or other personal consumer reports

Initiated disputes via mail and online with Experian, providing proper identification documents, sent via certified mail # XXXX XXXX XXXX XXXX XXXX on XXXX. The online method issues auto responses without providing any information about how accounts were verified, even though the accounts still report inaccurate and missing information. 

The following accounts have been repeatedly disputed due to inaccuracies. The CRA has a pattern of denying my rights under the FCRA ( sect 611 ). They have reinserted inaccurate and incomplete information further depressing my credit scores. Experian has stalled my dispute process randomly requesting identification documents which they have on file and, were submitted with my disputes. 

The following accounts continue to report inaccurate, missing and unverifiable information : 1. XXXX/XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account has missing information which the CRA will not update ; Highest Balance, balance. Request for immediate deletion. 

2. XXXX Account # XXXX : Date Opened XX/XX/XXXX : The account is missing its complete payment history. It is only reflecting 7 months of my payment history. Request for deletion due to incomplete information and failure to resolve within time allowed by FCRA. 

3. XXXX/XXXX XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account is missing balance which should read " XXXX '' /XXXX. It is left blank. Request for payment history verification due to inaccurate missed payment was not honored. Request for deletion due to inaccuracies. 

I have a right to complete and accurate information, or the accounts here must be removed immediately. I am respectfully asking them to comply with FCRA.
Product: Mortgage

We have a 100 % VA rating listed on the home and filed through the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX office. The filling was accepted and back dated to XX/XX/XXXX when the home was purchased. The tax exemptions were then sent to Freedom Mortgage, the company applied the exemptions in XXXX of XXXX. I called Freedom Mortgage to ask why my payment was so high the tax department could not articulate or explain to me as to why my payment was so high. The lady finally looked into it and informed me that we were being charged for county taxes and even property improvement distracts. Under XXXX  XXXX for Texas we are exempt from all those things. I was then promised it would change when they did our escrow reanalysis. I was told that it would take 7-10 days. This was back in XXXX of XXXX. I called again Friday XX/XX/XXXX of XXXX and was informed that my escrow was still in the XXXX and was never reevaluated like it was to supposed to be. So I have been overpaying and being charged for taxes and all these other exempt charges for almost 2 years unknowingly. The company still has not reached out to me to notify me that it is being reevaluated. We also did a 3 year buy down on interest. Starting at XXXX, then XXXX, then leveling out at XXXX. I am fairly certain I have been getting charged at the 5.5 % since purchase.
Product: Debt collection

Person came to my car I was at grocery store wanted to know when I was paying my loan I never new that girl so she took her XXXX but in the store and talk to my friend that was trying to get a loan I told her I get XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Chase Bank has not honored the terms of its chase closing guarantee which guaranteed us {$2500.00} if the loan did not close on time, which it did not for us. We reviewed the terms of the guarantee, we are fully eligible and no ineligibility rules apply in this case. The entire loan process with them was tedious, frustrating and unpleasant, with the bank dragging its feet and making mistakes. My chase mortgage application was approved on XX/XX/21, Our purchase contract was submitted on XX/XX/21 with a 30 day closing. Because of Chase, the loan did not close on time. The closing did not happen until XX/XX/21. During the process All documents were promptly submitted by us when requested by the bank. Yet the bank was not diligent about responding to us or our real estate agent. There were many instances where we couldn't reach anybody at chase related to my loan and it seemed they were not even working on it. This complaint is specifically related to the closing guarantee but the issues we mentioned are to demonstrate that the late closing was their responsibility. Their response so far has been vague, unethical and evasive. They have not responded to our inquires at all.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports I noticed 2 accounts that I did not authorize and have no knowledge of. I disputed these items and sent the identity theft report to the credit bureau however these items still remain- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I discharged a debt owed to XXXX XXXXXXXX XXXX XXXX  in a Chapter XXXX Bankruptcy, Case XXXX filed XX/XX/XXXX. 

After the Bankruptcy I moved out of the state of Florida and now live in XXXX. 

This year Penn Credit submitted to my credit report a debt for XXXX   XXXX XXXX XXXX 

I reached out to the collection agency to notify them that I have not opened or had any accounts with XXXX XXXX XXXX XXXXXXXX since by Bankruptcy and that the debt was discharged. 

Penn Credit refuses to remove the collections from XXXX, XXXX  and XXXX 

PENN CREDIT CORPORATIO Account XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2019, we contacted PNC Bank to inquire about refinancing our home mortgage. The loan officer, XXXX XXXX, assisted us with the application. During the process we questioned Mr. XXXX regarding the need for an appraisal ( an additional {$910.00} free ), since the loan amount was less than 50 % of the value of our home and we had been advised by other lenders, that it wasnt necessary under those circumstances. 
There were errors and omissions on the first application, dated XX/XX/2019, so we contacted Mr. XXXX and asked him to make the corrections. Again, we questioned Mr. XXXX regarding the need for an appraisal informing him that the two other mortgage lenders we had contacted told us that an appraisal would not be necessary. Mr. XXXX continued to insisted that an appraisal was necessary. On XX/XX/2019, we agreed to pay the appraisal fee after Mr. XXXX proposed that PNC would refund {$500.00} when the loan was completed. 
On XX/XX/2019, we were contacted by XXXX XXXX, regarding the errors and omissions on the loan application. He assured us that the errors would be corrected and that the omission of my wifes federal pension ( {$2200.00} ) would be included. We also questioned Mr. XXXX about the PNC Bank requirement for an appraisal. 
After speaking with Mr. XXXX, some corrections to the application were later made, while others were not. The most important omission, the federal pension income was added, but the problem of transposing my wifes and my phone numbers was not. This meant that each time we tried to use XXXX we had to exchange phones. Another error, the over estimated that value of our home, was not changed even after we made the request to do so.
Product: Mortgage

In XXXX of 2023, I received an escrow statement from the mortgage holder that showed my monthly payments going from {$1800.00} to {$3200.00}. Upon inspection of the statement, I noticed that suddenly school and property taxes were being withheld for XXXX properties that are not part of the mortgage. I then noticed that property taxes for those XXXX properties had been paid the month prior for a total of {$3800.00}. I contacted them immediately to point out the error and was told they would look into it. They acknowledged the problem and over the next XXXX  months or so, they would tell me that it was being worked on as a high priority. In XXXX of 2023, another {$13000.00} total in school taxes were paid from the escrow account for those XXXX properties. In XXXX, I also got another escrow account statement that showed my monthly payment being reduced from {$3200.00} to {$2500.00} for some reason, but also still showed projected payments for those XXXX properties. In XXXX of 2023, I got another escrow statement that showed another reduction in the monthly payments to {$1800.00} and finally no longer showed projected payments for those XXXX properties. I contacted my township to try to get the tax payments returned, and they said XXXX of the payments would go back to the mortgator, so I called the mortgator several times to get them to forward the payment back to me and not to reduce principal or credit payments. In XXXX of 2024, another statement showed that at least some of the refund went into escrow and the monthly payment was reduced to {$1600.00}, which means I won't be made whole for the overpayments for another year or so. In total, {$17000.00} in taxes was over-withheld and paid, requiring me to borrow money and cash in early on some retirement saving to cover my monthly payments. In other words, I paid dearly for their mistake, and they have suffered no consequences.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding their handling of an alleged debt associated with account number XXXX. Despite multiple attempts to address this matter directly with the company, they have failed to provide the necessary documentation and have violated several provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The details of my complaint are as follows : Failure to Provide Validation : I have repeatedly requested comprehensive validation of the alleged debt, including signed documents establishing my direct ownership. XXXX XXXX XXXX XXXX XXXX has failed to provide this information within the requested timeframe, violating my rights under the FDCPA. 

Unlawful Reporting of Disputed Information : Despite the ongoing dispute and lack of validation, XXXX XXXX XXXX XXXX XXXX continues to report the alleged debt to credit bureaus. This is a direct violation of the FCRA, which requires accurate reporting and the cessation of reporting during a dispute. 

Refusal to Cooperate : The company has demonstrated a deliberate refusal to cooperate with my requests, ignoring the urgency of the matter and violating their obligations under federal law. 

Potential Violations of Identity Fraud Protection : XXXX XXXX XXXX XXXX XXXX 's failure to adequately verify the legitimacy of the alleged debt may constitute negligent enablement of identity fraud, exposing consumers to potential harm. 

I have made the company aware of my intention to seek legal action, including potential small claims proceedings, and have provided them with a final opportunity to address the matter amicably. However, their continued non-compliance necessitates the involvement of the Consumer Financial Protection Bureau to ensure the protection of consumer rights. 

Enclosed with this complaint, please find copies of all relevant correspondence, including the letters sent to XXXX XXXX XXXX XXXX XXXX, highlighting my attempts to resolve this matter directly. 

I kindly request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate actions to ensure compliance with federal consumer protection laws. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I did a XXXX transaction to a company that went out of business. I requested my funds returned due to service not being rendered. 
Capital one bank XXXXXX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Payments made through XXXX on XX/XX/XXXX-2023 XXXX XXXX-2023 XX/XX/XXXXXXXX This was for my daughter XXXX bday.
Product: Debt collection

I have no knowledge or have conducted any business with this company and havent made any transactions with them in the last XXXX years. 

This company added collections to my credit report incorrectly and it isnt owed.
Product: Debt collection

I made a phone call to the debt collector stating the bill is invalid and in dispute. They forced me to pay the bill I was disputing with the landlord. 

Date of the call : XX/XX/XXXX amount : {$280.00}. 
They mailed the bill to me on XX/XX/XXXX which is more than 14 days after my move out. We don't agree on the bill and by XXXX XXXX XXXXXXXX residential law, after 14 days, the bill is illegitimate. 
The debt collector is Source Receivables Management. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX
Product: Mortgage

Plan  of Reorganization ( the " Agreement '' ) was  approved by United States Bankruptcy  Court  effectively   XX/XX/XXXX . I  am now on my  3rd  servicer effective   XX/XX/XXXX .   The first two servicers,  XXXX  and Seterus, respectively refused to acknowledge or abide by the  Agreement  as set forth. The have returned payments, refused payments, sent inaccurate year end reporting and escrow accounts in spite of persistent emails, phone calls and direct mail correspondence outlining specifically the agreement. I have been unable to sell the property because they have refused to give me a payoff amount. I cant afford my Bankruptcy attorney
Product: Money transfer, virtual currency, or money service

I had a life insurance check from XXXX XXXX for my husband who is recently deceased. I went into the Wells Fargo Bank at XXXX XXXX XXXX, XXXX, VA XXXX because the check was drawn on Wells Fargo Bank. I asked for the cash or a cashiers check to replace the check drawn on Wells Fargo. Some internal office refused to approve the check to be cashed stating it was a " not to be cashed check ''. Who has ever heard of such a thing? I asked if the check was even good and was told that it was good and did not have a stop payment on it. I had proper identification including name and address verification in as many forms as they needed None of that mattered. I asked if I could open a checking account with Wells Fargo and then I could write a check to get my money and I was told there would be a hold on the funds. When I asked how many days the hold would be they could not give me an answer. 

I did not have any options to get the money from Wells Fargo. IT IS MY MONEY