23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020, I requested a 1 time, principal only payment of {$3000.00} to Bank of America ( Confirmation number XXXX ). I am trying to pay my mortgage off early, so I submit a principal only payment at least once per month. For some reason, the payment was collected as " unapplied funds '', instead of being applied directly to the principal. I called again a couple of days later to ask that this be fixed ( XXXX ). The representative told me that they would fix the issue within 8-10 days. They did not. At this point, not only have they collected the $ XXXX I sent at the beginning of the month, but they have also collected my regular payment, which is ALSO being held in " unapplied funds ''. This is getting increasingly ridiculous because now my account is flagged as " overdue '', despite them holding almost 7 months worth of mortgage payments in " unapplied funds ''. I called again ( XXXX ), at which time the representative told me that he could see my request, but it was still processing for some reason. He assures me that no penalty would come of this, even though I'm well past the grace period. It is now 29 days later and I see that they have surely applied some money towards the interest on my account, but none toward my principal. Every time I call on the phone, I spend no less than 2 hours on hold. I've sent multiple messages through their Secure Messaging System. I got a response in my personal email from an email  address that I don't recognize, and the link in the email is requesting personal information, so I don't trust it. When I go to the secure messaging system in my account, there are no unread messages for me. So if this is in fact bank of america, they need to do better about not looking like spam. I'm now currently on hold with them AGAIN, as we are now going into a second month of this and not only do they need to adjust my account to reflect the large payment I made at the beginning of the month and adjust the interest they've collected, I also need to make another payment. I should not have to do this math in my head, as I'm sure they expect me to just keep blindly making payments without them making any adjustments to my account. Customers used to be able to make these types of payments online, so I don't even understand why I need to spend hours on hold to do basic things like make a payment.
Product: Credit card

I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Bank of America card : XXXX XXXX {$2200.00} on XXXX/XXXX/2016, XXXX XXXX {$3500.00} on XXXX/XXXX/2016, XXXX XXXX,XXXX charges of {$2500.00} on XXXX/XXXX/2016 and XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.
Product: Debt collection

Two paid medical accounts from 2015 were reported in error and the reporter, XXXX XXXX, agreed to fix asap and tell both CRAs, TXXXX & Experian, to delete the information. Instead, my credit monitoring services have repeatedly alerted me that my credit scores at XXXX and Experian have dropped dramatically as a result of this mis-information and is currently being reported. 

I disputed the information with Experian but XXXX XXXX online site will not let me dispute it. I called XXXX XXXX and had them fax me letters documenting the accounts were paid and that the information should be immediately deleted from both XXXX and Experian. The documentation from XXXX is attached. 

I want XXXX and Experian to delete the information immediately and update my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, VA 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. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending again a complaint in regards to the inaccurate and unknown things on my credit report. It has been over many days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is XXXX percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please remove these items. Do so, to comply with FCRA which requires all reporting to be 100 % accurate. 
Here are the list of items that needs to be delete in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX, I received an email notification from XXXX telling me Radius Global Solutions LLC sent a negative credit report to XXXX. I immediately contacted XXXX ( XXXX ) XXXX and spoke to XXXX, an associate. He explained that Radius Global Solutions LLC is a debt collecting agency acting on behalf of XXXX XXXX XXXX XXXX for {$470.00} owed for services provided XX/XX/XXXX. 
I never received a letter or bill from either Radius Global or XXXX XXXX at any time and I would not have been expecting one because I had full medical coverage by XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. 
As of XX/XX/XXXX, coverage was assigned to XXXX. 
After our discussion, an investigation was opened and I was promised a response in 30 days from XXXX. However, XX/XX/XXXX, I received a letter from Radius Global Solutions LLC offering me to pay the sum of {$330.00} to settle the debt. A copy of this letter was sent to XXXX. I have a legal and moral obligation to pay all debts, this however, was not incurred by me.
Product: Mortgage

Mortgage servicer, PNC, has listed on my escrow account, three homeowner 's ( hazard ) policies listed on my mortgage account. The only valid policy, has an expiration date of XXXX/XXXX/XXXX and is to be paid via renewal through escrow payment ; however, mortgage servicer, PNC, has this to be paid via one of the other three policies listed on my account on XXXX/XXXX/XXXX. In addition, today, XXXX/XXXX/XXXX, I note that valid hazard policy with expiration of XXXX/XXXX/XXXX, has been paid via my credit card, and not through escrow as was established at time of loan origination.
Product: Credit reporting

The debts listed are grossly inaccurate or not mine at all. Please investigate these items and SEND ME THE CONTRACT BEARING MY SIGNATURE of me obtaining these debts or remove them. 
( XXXX Items Total ) Please investigate these items, delete and remove them immediately within the time frame required by the Fair Credit Reporting Act ( FCRA ) and inform me in writing of the outcome. Thank you for your time and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX Account XXXX # XXXX Account 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
Product: Checking or savings account

This is about Chase Bank Checking Account # ending with XXXX. We were informed by Chase Bank that the Checking account will be closed due to suspicious activity. We were with chase bank since 2008 and has always been good standing with respect to adequate funds maintenance and fantastic audit trail of our transactions. When we enquired at the centralized Customer Care of Chase Bank and at the Chase Branch Manager at XXXX, GA XXXX location no information was provided the reason for which this account was closed. In our opinion the account closure was based on the guidance of XXXX XXXX ( XXXX  ) software of Chase Bank. I strongly believe that heavy reliance on XXXX  software to monitor transactions overseen by decision-makers who don't know individual customers. Also, it is believed outdated rules used to determine which transactions are suspicious. We were not contacted by the bank nor inquired about a specific transaction which are considered suspicious. Without going through proper diligence chase bank decided to close our bank account which caused us extreme hardship. This is strong case of inadequate controls were placed by Chase Bank to monitor/ review the transactions and incorrectly closed our checking accounts.
Product: Credit card

checked my XXXX and noticed a citibank card opened without my knowledge from address I've never lived at in XXXX. was opened XX/XX/year> for {$10000.00} and was maxed out
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on an auto loan with XXXX XXXX and its been sitting on my credit report for the last 4yrs. Its been charged off. However, another agency, Pacific Credit has been reporting this default as their own. So I have XXXX reporting XXXX and PC reporting XXXX plus accruals. This makes it seems as though I am in more debt than I am and that I have defaulted on two loans instead of the one. Unaware of its origin I disputed the account and as a result PC has now placed their account in active collection reflecting that I am currently XXXX days late when I have had no contact or made no arrangements with them!
Product: Mortgage

Back in XX/XX/XXXX, my employer cut my hours at work from XXXX hours a week to XXXX hours a week in order for me not to get laid off. I contacted XXXX XXXX XXXX to inquire about a forbearance until my hours were increased back to full time. On or around XX/XX/XXXX, I reached out tXXXX XXXX XXXX XXXX and was offer a 90 day forbearance for the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments. I was told then if I need more time, to contact XXXX XXXX XXXX prior to the expiration date of my forbearance for a possible extension. 

At the end of XX/XX/XXXX, I reached back out to XXXX XXXX XXXX  to inquire about extending the forbearance period and was told I had to wait until XX/XX/XXXX, when the current forbearance period expired to request an extension. 

So I called back on XX/XX/XXXX, and was told my loan was not eligible for a forbearance extension and I would be reported as 90 days delinquent. They never told me that once the forbearance expired, I would automatically be reported as being late to the credit reporting agencies. When I called in at the end of XX/XX/XXXX to extend the forbearance, they should have known their own internal policies and procedures to validate if a forbearance extension was possible. That would have given me the chance to bring my loan current rather than damaging my credit that I've worked so hard to maintain. 

I reached out to their XXXX Offices several times and was denied to have my credit fixed because of their lack of transparency. I brought my loan current a few weeks after that, but the damage was already done.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX sold me a frame damage vehicle that was illegal. The vehicle was deemed unsafe to drive. XXXX has made several mistakes on the account. This company have several complaints and should be investigated by FBI. This vehicle was not on credit due to several mistakes made by the company. They were reporting back in XXXX that the payments were XXXX when the payments were XXXX. Once advise of the frame damage it was backward and forward lies told by the company. I have had no dealing with this company since XXXX and I have credit reports showing they were removed because that was the agreement. I have credit reports showing no reports from XXXX in over 3 and 1/2 years this has not been on my credit. When it was on there in XXXX it was not being updated with the payment history. Now in XXXX of XXXX they reported that I did a voluntary surrender in XXXX of XXXX that is false and inaccurate. Also on the credit report it only shows an open date no payment history nor further information. They didn't have permission to access my credit in XX/XX/XXXX nor did I turn in a vehicle in XXXX. I have received no notices from this company at all. They are reporting false information and I want it removed from my credit report. I would like proof from XXXX showing that they have been reporting on my credit since XXXX. I have my credit report and I know they have not but I would like to see false documents they will come up with so I can take them to court.
Product: Credit reporting or other personal consumer reports

I was about to declare bankruptcy but I did not go through with it so I withdrew it never went to court, but on XXXX in XXXX and XXXX had it on my credit report so I dispute it on all three agencies but XXXX was the only one took it off.
Product: Credit card or prepaid card

On XX/XX/2022 I received an email. 
Dear ******, Based on a recent review of your account, Synchrony Bank has lowered your credit line to {$530.00}. Your account remains open and available for use, subject to the new credit line. 
My account balance was over {$1000.00}. Now that this company has reduced my limit to {$29.00} over my limit they have me using 99 % of my total limit. This will bring my credit score down. This company has done this to me several times in the past. I have not missed any payments on any of my credit cards. This is a practice that hurts peoples credit and the company has been doing this for years to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being 1005 correct. This information has effected my life and damaged my livelyhood.

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX is authorizing this investigation.
Product: Credit reporting

I can not see my Equifax credit report online. It keeps telling me to fax a dispute. I call Equifax and they are not being helpful at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have been a victim of identity theft. none of these transactions belong to me
Product: Credit reporting or other personal consumer reports

I haven't checked my credit in a long time because it was good. Then I got emails and alerts saying my information was in a data breach. I also subscribed to this credit monitoring for free with XXXX XXXX and it keeps saying my name was found on the dark web. So I finally checked all of my reports and I saw someone fraudulently tried to get phones in my name and had some inquiries that also were not mine. I reached out and disputed the accounts immediately with the bureaus and the companies on XX/XX/XXXX. I saw that the disputes came back as " verified '' so I filed an Identity theft report with the FTC on XX/XX/XXXX. 
With Equifax, I am referring to the following : XXXX  : Acct name : XXXX XXXX XXXX Acct # : XXXX Original creditor : XXXX XXXX Balance : {$120.00} Inquiries : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed multiple accounts appearing on my Equifax credit report because I do not recognize them and have reason to believe they do not belong to me. Initially, Equifax removed these accounts, but they were later reinserted without proper notification within the required five business days, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 

Despite following proper dispute procedures and submitting the necessary identification, Equifax has repeatedly requested my ID again and again, delaying the resolution of my dispute. Furthermore, they improperly classified my dispute as frivolous instead of conducting a thorough investigation as required by law. 

This situation has caused me significant stress and XXXX, interfering with my work schedule and daily life. I am being forced to spend unnecessary time repeatedly addressing the same dispute, despite providing all requested documents. I feel Equifax 's actions are unfair, obstructive, and potentially retaliatory in response to my valid complaint.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and these accounts and inquiries are a result of this crime. XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX  {$20000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent XXXX Services a validation request for two accounts they have reported on my credit. I received no response so on XX/XX/2022 I followed up with a letter requesting validation of debt. Still no response. In XXXX I sent Experian a request to validate the alleged accounts. 
I have not received any communication from experian regarding this investigation request. Yet they have updated the comments on my credit report that investigation was done. 

Not only has Experian not responded they are reporting a collection account inaccurately. 
Ive included a copy of all letters sent to bc services and Experian as well as both accounts credit report highlighting errors.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I went to pay the down payment for my home to an XXXX XXXX who was part of a title company for the house I was going to buy in another state. Her title company was called XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX. Someone else was emailing me using XXXX title and header to get me to send the same amount to a wire transfer the same way that XXXX asked me to do the same. 

Bank name XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Account number XXXX Holders name XXXX XXXX Home address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX do XXXX I did a report email to the fbi fraud department, I called and emailed chase. Chase was no help and Im emailing you guys now
Product: Money transfers

I submitted money to a XXXX Confererence organization and related hotel, the total is about XXXXUSDby policy, the payment is refundable, when I required the payment return, they could not response right, so how to do? 

The contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX - Texas United States Tel : XXXX XXXX XXXX Website : XXXX/ XXXX XXXX XXXX XXXX XXXX E-mail : XXXXXXXXXXXX Web-site : XXXX Tel : XXXX XXXX
Product: Checking or savings account

My XXXX XXXX was charged twice on XX/XX/2022 at a XXXX XXXX restaurant in California. The amounts : {$25.00} and {$95.00}. I live in Massachusetts and was at home when the charges were made. I reported it to the bank Capital One, that holds the Debit Card. I cancelled the Debit Card and Capital One reportedly is sending a new one. Capital One said if they were unable to resolve the issue within 10 days, the funds would be temporarily returned to my checking account. On XX/XX/2022 I received a call from a XXXX XXXX representative. The caller sent me copies of the bills associated with the charges. The XXXX XXXX representative said the customers used a smart phone app to pay the bills using XXXX while in the restaurant. According to the representative, the restaurant may have surveillance cameras that could be available to investigators or police if requested. On XX/XX/2022 Capital One returned the funds to my account without explanation.
Product: Mortgage

We failed to be given a loan modification by Wells Fargo numerous times, and eventually had to file for XXXX XXXX protection to prevent us from foreclosure. We are currently in an ongoing XXXX XXXXXXXX, with a rather high plan payment of $ XXXX, that is due to increase to over {$12000.00} a month in XX/XX/2023. Because of this, we are now forced to sell our home, and based on everything I hear and read, Wells Fargo has been convicted of predatory loan practices, which I now know we were victims of. 

As the equity in our home is all we have, and we now have to sell our home or loose it, it is critical an audit of the payoff of our mortgage is conducted, so we only have to pay them what is fair and accurate. I am confident Wells Fargo has added excessive fees and charges to our loan payoff balance, that are not legitimate/correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and transunion fail to properly do a thorough investigation on my dispute.
Product: Mortgage

CMG Financial I refinanced my home and CMG purchased the mortgage. They did not update the insurance company and subsequently my insurance was canceled. The company gave my insurance company the run around and it took nearly 3 hours of phone call between the 2 companies to get this resolved.
Product: Debt collection

REPUBLIC FINANCE has denied my request to the credit bureaus to " validate '' debt reporting on my credit profile with XXXX and XXXX. My FCRA has been violated and denied. See attached Document