23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In direct violation of Federal Law, Professional Debt Mediation , Inc. reported this debt to the Credit Reporting Agencies as of XX/XX/XXXX, more than a week prior to notifying me about it in a letter sent to me by the merchant dated XXXX/XXXX/XXXX. Furthermore, when I disputed the charge in an email sent to the merchant on XX/XX/XXXX, Professional Debt Mediation , Inc. never responded in any way, as I have not heard from the merchant at all since that time. The debt stems from a fake eviction - predicated on the notion that jumping rope indoors during the day can be a legitimate grounds for evicting for a single tenant living alone at an income-restricted and therefore family-oriented rental property - staged by my former landlord, XXXX XXXX XXXX, on behalf of the State of Florida in retaliation for my efforts to address the Federally Institutionalized lack of Due Process for groups protected under Federal Fair Housing Laws.
Product: Debt collection

I went to check my credit report and XXXX and associates was on my credit report. The original creditors is listed as XXXX XXXX XXXX XXXX. The date reported is XX/XX/2023. The amount is {$1200.00} dollars. I never applied or heard of this company. I did not receive a loan on my behalf in my name nor social security number.
Product: Credit reporting or other personal consumer reports

I have been writing this company to investigate inaccurate information on my credit file back in XX/XX/year>. They have had well over XXXX days to investigate/delete this inaccurate information. I never received a response from my last dispute. I applied to buy a home ; a new construction and I was denied. I checked my credit file again and I see this inaccurate information still reporting! This is harmful and damaging.
Product: Mortgage

Mortgage Company : Movement Mortgage XXXX XXXX From : XXXX XXXX and XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX Escrow payments are too high. With the exception of XXXX XXXX escrow amounts are well beyond the two month cushion rule. They are withholding amounts leaving a balance as follows below. They will not respond. 
XX/XX/XXXX Escrow Balance is {$1800.00} XXXX taxes due of {$1100.00}, which will leave a balance of {$1000.00} after the XXXX escrow payment of {$390.00} ( this is the escrow payment I am charged each month. 
XXXX escrow balance {$1400.00} XXXX escrow balance {$1800.00} XXXX taxes due of {$1100.00}, which will leave a balance of {$1000.00} after the XXXX escrow payment of {$390.00}. 
XXXX escrow balance {$1400.00} XXXX escrow balance is {$1800.00} XXXX insurance payment of {$1500.00}, which will leave a balance of {$650.00} in the escrow account. Which is not quite a 2 month cushion assuming their escrow payment per month of {$390.00} is right. 
Then in XXXX and XXXX of each year tax payment of {$1100.00} are made, and insurance is paid in XXXX of each year of {$1500.00}. 
Escrow balances starting in XX/XX/XXXX and each month thereafter, with each escrow payment from us of {$390.00}, and the taxes and insurance payments are as follows... 
XXXX, XXXX $ {$1000.00} XXXX, XXXX {$1400.00} XXXX, XXXX {$1800.00} XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1800.00} ( tax payment ) XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1800.00} ( tax payment ) XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1400.00} ( insurance payment ) XXXX, XXXX {$1800.00} XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$3000.00} XXXX, XXXX {$3400.00} XXXX, XXXX {$2600.00} ( tax payment ) XXXX, XXXX {$3000.00} XXXX, XXXX {$3400.00} XXXX, XXXX {$2600.00} ( tax payment ) The escrow balance keeps rising until XXXX of XXXX they are holding {$5400.00}. With one exception, their escrow amounts required of me are far more than a 2 month cushion.
Product: Credit reporting or other personal consumer reports

Purchased XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX, they financed their vehicle with the company I am submitting the complaint about Credit Acceptance Corp. When we purchased the vehicle, it came with a check engine light on and also the Tire Pressure Monitoring System. We were informed by the dealership mechanics that the check engine warning light would turn off, light never turned off, waited for extended warranty to be active. Took it to XXXX XXXX XXXX in XXXX, TX to do a first time oil change due to we were informed when purchased vehicle that maintenance had been previously done. Was informed by certified mechanic at shop where maintenance was going to be done that the vehicle has several severe issues even before I purchased the vehicle. Here are some of the codes that are being shown on the diagnostics computer XXXX, XXXX, XXXX, XXXX, XXXX. I myself have reached out to the finance company that owns the vehicle to which I was about to start paying, and informed them about the situation, and to this point the situation has not been resolved. I have been told that I need to pay a motor tear down fee of {$600.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXX ( 3 times ) Only should be once, XXXX bank has a limit of XXXX pull in XXXX month this was done repeatly. XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX ( twice ) only should be once, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX US Bank XXXX. XXXX, XXXX
Product: Debt collection

I checked my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. Here are the listed details of the account with discrepancies : XXXX XXXX XXXX XXXX XXXX/ {$82.00} / XX/XX/2022 XXXX XXXX XXXX/ {$1300.00} / XX/XX/2022 XXXX XXXX XXXX XXXX/ {$1400.00} /
Product: Money transfer, virtual currency, or money service

CONSUMER FINANACIAL PROTECTION BUREAU. 

I am banking with HSBC in the California.XXXX.Brances. 
I have a Saving.checking, creditcars, debit card with HSBC. 

I can not use my I account properly on internet access the HSBC WEB SITE is BLOCKED for account transaction. My social security account in deposit it where I can not withdrow.My account is blocked by HSBC. 

HSBC web site, main address. Us.hsbc.com This web site used to before for transaction..Now I can not access with login pass words etc.HSBC web site blocked for login .Error Code is blow. 
Also HSBC is not provided XXXX pc compatible mobil software solution. 

LISTED ERRORS. 
1-XXXX Cant Find the Server XXXX cant open the page https : //www.services.online-banking.us.hsbc.comXXXX XXXX because XXXX  cant find the server www.services.online-banking.us.hsbc.com. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This site cant be reached www.services.online-banking.us.hsbc.coms server IP address could not be found. 
XX/XX/XXXX. 


I have reported problem to HSBC tech support on chat room technician-IT dept XXXXat XXXX, XX/XX/XXXX : This is the ticket number to reference, XXXX. and XXXX. 

I have filed a complaint for HSBC BANK in XX/XX/XXXX and XX/XX/XXXX to Consumer Financial Protection Bureau. 
I can not use my bank accounts. HSBC Bank is violating Banking Regulations and consumer protection law continuously. 

Sincerely, XXXX XXXX
Product: Mortgage

To whom it may concern, We wanted to file a complaint regarding the very unpleasant mortgage application experience we are having with Chase.

We started our mortgage application with Chase on XX/XX/XXXX, and always provided requested document within 1 day. Chase promised that they can get the loan done before our closing date of XX/XX/XXXX. However, they started to become very unresponsive as we came close to closing date. Every time we check in with them, they claim things are still under review. Now we are well past our closing date and if we can not close in the next few days we would need to pay a daily penalty of XXXX {$500.00} to the building sponsor. We called and emailed but the person responsible for underwriting is not responding. 

We would like to raise this issue and hope your organization could help us escalate to Chase to have it resolved ASAP.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$950.00}
Product: Debt collection

Arcon Credit Solutions contacted my family regarding debt I had already resolved.
Product: Mortgage

Disclosure information and fee are different then final documents received. Even have a miscellaneous fee, on the final closing document which neither mortgage company, title company or closing agent can explain after a few weeks and multiple phone calls. After closing took more than 20 business days to pay off the old loan that was refinanced. Took 3 1/2 months to process loans without any reason and lack communications during.
Product: Credit card

Today XX/XX/year> received an email stating unfortunately we reduced the credit line on your XXXX account, apologize for the inconvenience. I have XXXX XXXX  with BOA and over the last 2 months BOA have continued to reduce my credit limit on all. I have never been late nor over the limit and when possible, when life issues have not risen paid more than the min payment due. 
It is beginning to appear to me BOA is on a witch hunt ; once my checking and saving accounts dropped below $ XXXX, I am no longer a customer BOA wants or need. 
I find no legitimate reason why BOA is reducing credit line when all my accounts are current.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My information was used fraudulently, and now I see items on my report that I was never associated with. Following Experian 's instructions, I filed a report with the FTC and submitted it, but these fraudulent items are still on my report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone has been opening accounts in my name for months, and all of them have used Experian as the reporting agency to run my credit. Also, among the fraudulent accounts was a checking account that was opened with Experian. 

On XX/XX/year> I received an email indicating that someone had changed my online account information with Experian. I attempted to login to my Experian account, but the email address and phone number used to confirm my identity in Experians online system had been changed. Since this time, I have requested that Experian ( a ) place an extended fraud alert on my Experian credit file and ( b ) correct my online account information so that I can regain control of my Experian account/credit file. An email and/or phone number are necessary to request or remove a credit freeze online or by phone. Because a hacker changed my email and phone number, I am unable to confirm my identity and access my account. 

Since XX/XX/year>, I have called Experian numerous times to request access to my account. Most times I am unable to connect with a human being, and the automated phone menu does not have an option that addresses this situation. On the few occasions that I have been able to connect with a human being at Experian by phone, I am told that ( a ) my issue is being handled by Experians investigative unit, ( b ) I can not speak with anyone at the investigative unit and ( c ) nothing else can be done. 

On XX/XX/year> I sent Experian a letter via certified mail ( with proof of identity included ) requesting ( a ) correction of certain information on my credit report, ( b ) that an extended fraud alert be placed on my account and ( c ) that I be re-granted control over my account. 

On XX/XX/year>, XX/XX/year> and XX/XX/year> I sent emails to Experian at eSupport@experian.com asking that I be re-granted access to my account. 

Experian has responded by sending me updated credit reports with some information corrected, but has done nothing to address my account access issue or an extended fraud alert.
Product: Debt collection

This complaint is in regards to XXXX, XXXX, and XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX who are representing Discover Bank as a debt collector. In a hearing held on XX/XX/XXXX, XXXX, XXXX, and XXXX agreed to settle the debt for {$2600.00} with {$1100.00} paid from a XXXX XXXX transfer leaving a total of {$1500.00}. We were then advised to make monthly payments of XXXX dollars per month that increased to XXXX dollars per month beginning XX/XX/XXXX. We have been sending money monthly and while not always able to pay the XXXX per month we have diligently sent in a payment of at least {$50.00} every month. Since this judgment, I have paid a total of XXXX, which should leave a balance of {$500.00} at this time. I received a letter from XXXX, XXXX, and XXXX dated XX/XX/XXXX that outlined the judgement, the amount owed, the amount payed, and the remaining balance of XXXX. In this letter there is no mention whatsoever of additional interest and fees. After missing a payment in XXXX of XXXX due to loss of employment from the XXXX XXXX, we received a letter from XXXX, XXXX and XXXX dated XXXX, XXXX with a noted balance due of XXXX. Seeing this balance, which is more than the agreed upon settlement, led me to call XXXX, XXXX, and XXXX. I spoke with a representative on Monday XX/XX/XXXX who informed me that we were being charged interest and there were also court fees in the amount of XXXX applied to our balance. The representative was not able to provide me with a balance as a start number from in XXXX of XXXX. I was led to believe that number was the agreed upon settlement balance of XXXX. 

Not only did XXXX, XXXX, and XXXX not act in good faith but they deliberately set us up for failure of repaying this debt. While we have been making payments each month the total has been increasing unbeknownst to us. The total is now almost double what we originally owed, and while we thought we were close to paying off our debt we are now even further in debt. We have never received any type of statement from XXXX, XXXX, and XXXX demonstrating our payments, informing us of the interest applied to the amount, and that the balance has continuously gone up due to the interest or whatever other fees have been applied without our knowledge. We feel we are owed at least an adjustment to our balance accordingly due to XXXX, XXXX, and XXXX not acting in good faith and being deliberately obscure with and withholding the details of our repayment. 

Thank you for your time and consideration of this matter. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I, XXXX XXXX XXXX initiated a complaint against XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX concerning heirship land and it's recovery. Upon reviewing a XXXX case in XXXX XXXX XXXX case information, there is indication that Wells Fargo may have some interest in the property or filed documents in the case. ( See attached documents ) This is to inform Well Fargo that I, XXXX XXXX XXXX also have a legal interest in the matter and has demanded the property known as XXXX XXXX XXXX XXXX XXXX XXXX a subdivide of XXXX XXXX XXXX XXXX Some but not all of the lots in XXXX XXXX XXXX XXXX were listed as part of a foreclosure sale in XXXX but it was not against the true owners. XXXX XXXX XXXX XXXX XXXX XXXX was never listed as a part of the foreclosure. XXXX XXXX XXXX despite court information has not released any party in the XXXX XXXX XXXX XXXX including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX ( See attached documents ) This matter was publicly advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a dispute in the Transunion website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX to XXXX XXXX and subsequently transferred to XXXX. My credit report with Transunion showed as I had double the amount of student loans : the original balances with XXXX XXXX before the transfer appeared as open with the original balances instead of {$0.00} balance and that they had been closed and transferred. Transunion never contacted me with the results of my dispute. On XX/XX/2022 I checked again my Credit Report with Transunion and the errors were still there. 

I tried to upload the letter or statement from XXXX XXXX showing that all my student loans had been transferred and the balances was {$0.00} and thus the accounts closed. When I completed the dispute and uploaded the letter/account from XXXX, the website of Transunion states Dispute Temporarily Unavailable. When I double checked I did not see any record of my original dispute of XX/XX/2022 or the follow up dispute of today XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  acct # XXXX This account was opened on XXXX this account is over 7 years old this account should be removed from my credit file. 

XXXX acct # XXXX This account was opened on XXXX, balance of {$4900.00} and {$3.00} this account is over 7 years old this account should be removed from my credit file. There is more than one balance on my account with the same account number. How can I have more than one balance with the same account number b US DEPT OF ED/XXXX  acct # XXXX this account was opened on XXXX balance of {$16000.00} and XXXX balance of {$19000.00} this account is more than 7 years old this account should be removed from my credit file. How can I have more than one balance with the same account number? 

Please have these removed from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/20XXXX XXXX  reported that my prepaid XXXX XXXX card has a debt of XXXX to XXXX and XXXX and a debt of XXXX to equifax stating the information is correct when I filed a dispute. On XX/XX/2023 I called XXXX to see what was going on to which they stated there is no debt on my account. They wrongfully reported debt to the agencies mentioned then proceeded to give excuses why they would fraudulently report said debt.
Product: Debt collection

Its a cell phone bill with XXXX or XXXX but Ive never used this before its with Jefferson capital one time I was told they was going to take this off my name but there never did
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

My mortgage servicer, Ditech has failed to send my mortgage statements to me for over a year. Ditech has been sending my statements and all other correspondence to my attorney despite several requests by bot me and my attorney. On or about XXXX XXXX, 2017, I sent Ditech a Notice of Error concerning this issue, but they have not corrected it. My attorney never told Ditech to send the statements to her and the previous foreclosure action, which was settled by way of a loan modification, has been discontinued, so there is absolutely no reason for Ditech to continue to send my correspondence to the attorney and not to me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
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: Bank account or service

Back in 2009 I opened up an account with Wells Fargo bank. My mom passed away and i recieved XXXX. My aunty who helped me ipen the account told me that she jus wanted to help me get established with a new apartment. A few months later it turned out that she stole over XXXX from my bank account without my knowlage. I tried to inform the bank but they said it was nonething they could do. They dont understand that she tricked me into putting her on my account. I was never able to gey justice. Please help.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to transactions of charges and credits several days after they have been made. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. This is unfair and unjust, transactions shouldnt take forever to post and by the time they post the funds arent sufficient. I am a new member to Navy Federal and have been confused about the operation of this account since day 1. I have also reached out via chat and phone to gather information about the processing of posting transactions, credits and overdraft fees and even returned payment fees that are costly