23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have an escrow account with my mortgage company. It is set up to pay my home insurance and property tax. I pay {$730.00} of every mortgage payment {$2100.00} to my escrow account. Every year I get an annual escrow account disclosure statement which determines if Im paying too much or not enough and my mortgage payment is adjusted accordingly. This year I have an overpayment so I received a check {$330.00} In the same letter my mortgage company is INCREASING my mortgage payment. I feel my mortgage payment should be reduced if not at least remain the same. 
Im also billed {$200.00} mortgage insurance which my mortgage company seems unable/incapable of explaining I called my mortgage company spoke to XXXX who identified herself as a manager and was unable to satisfy my questions she acknowledged my taxes remained the same and my insurance increased {$76.00} the {$330.00} is more than needed to cover that increase
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had completed nothing to correct my Credit Report and update the misleading Information on my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Transunion Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late date from this account : XXXX XXXX XXXX
Product: Checking or savings account

I am in checking account XXXX account Wells Fargo, when I was in XXXX XXXX to XXXX and I was charged numerous amounts of overdraft fees whatever my credit charge count checking account got below {$10.00}. I cant see what your overdraft fees.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review
Product: Credit reporting or other personal consumer reports

Date : XXXX Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, XXXX I, XXXX XXXX XXXX XXXX, recently received a copy of my credit reports, I noticed a lot of unauthorized credit inquiries on each report that I did not give any consent to run my credit profile. Please be advised that by law no inquiry can be placed on my credit without my authorization. I need these following inquiries to be removed immediately from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also be advised that the Fair Credit Reporting Act states that any information that is maintained on an individual 's ( XXXX XXXX XXXX XXXX ) credit report must be accurate. This includes unauthorized inquiries. Please send me an updated copy of my credit reports after these unauthorized inquiries has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX. I have submitted a dispute with Experian, and other credit agencies, and they have failed to remove these false reports from my credit. I never had a late payment with XXXX, and in fact the reason this happened was because of a vehicle trade in. The dealership took a little while to get the payoff to XXXX, so in turn it made it seem like I still had the vehicle, and wasn't making payments on it. This is as far from the truth as it can be and I wrote a letter to XXXX as well pleading with them to remove this inaccurate reporting. I have submitted letters, and disputes online, and I have not had any resolve. Please help me in this as this has substantially affected my ability to get a loan, and other credit. The dates that XXXX has on my credit report are from XXXX, and XXXX of XXXX, and XXXX, and XXXX of XXXX  showing as late payments. XXXX is reporting that I had 4 late payments total. This is false information and also false reporting. Please help me so that this can be removed and hold XXXX accountable for affecting my credit score with this false reporting. Thank you in advance!
Product: Checking or savings account

I opened this claim XXXX agains my bank for a bad management of chargeback request. 
The bank answered that the claim is going to be paid to my account on or after XX/XX/2022 ( didnt happened ) and also the other claim will be finalized on XX/XX/XXXX and will be send a letter with the results ( also didnt happen ) Also I sent requested documents for the claim XXXX XXXX or/and XXXX and until now I dont have any resolution for that case. The fax with the last information requested was sent to the bank on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE TRIED TO RESOLVE THIS MATTER ON MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX. I HAVE INSURANCE ON MY JOB OF XXXX  YEARS AND NEVER HAD AN OUTSTANDING MEDICAL BILL. 
SO AS OF XX/XX/year> I REFUSE TO PAY THIS DEBT AND THIS IS MY NOTICE FOR A CEASE AND DESIST.
Product: Credit card

On XX/XX/year>, a charge of {$530.00} was made using my Capital One credit card without my authorization. This purchase was made by my sister, who used my card on an XXXX account that I do not have access to. 

Within 30 minutes of the purchase, I attempted to cancel the transaction through XXXX, but the cancellation request was rejected even though the item had not yet shipped. Once the item was delivered, it was promptly returned. However, XXXX has not issued a refund despite receiving the returned item.

I filed a dispute with Capital One, explaining that I did not authorize this purchase, but my claim was denied. Capital One stated that " no cancellation per policy was received, '' which does not address the fact that I did not authorize this transaction in the first place.

I have made every effort to resolve this matter, including : Attempting to cancel the order with XXXXy within 30 minutes of purchase. 
Contacting XXXX directly on XX/XX/year>, but they refused to assist because I do not own the XXXX account. 
Ensuring that the item was returned to XXXX, but no refund was issued. 
Filing a dispute with Capital One, which was wrongfully denied despite the unauthorized nature of the transaction. 
I believe I am being unfairly held responsible for this unauthorized charge. 

Resolution Requested : Reopen my dispute with Capital One and investigate the unauthorized nature of this transaction.

Investigate why XXXX has not issued a refund despite the returned item.

Ensure I am not held liable for this unauthorized transaction under the Fair Credit Billing Act and Capital Ones XXXX Liability Policy. 
I have attached supporting documentation, including the dispute denial from Capital One and a detailed timeline of events. 

Thank you for your assistance in resolving this matter.
Product: Credit card or prepaid card

Used credit card on XX/XX/XXXX for {$13000.00} to a vendor named XXXX XXXX  for concrete work at our home. Vendor did not supply services as contracted despite being paid. Filed a dispute with Citibank on XX/XX/XXXX for vendor not delivering services after vendor stopped working on job. Vendor indicated they did not have our money any longer. 

Citibank opened an investigation ( dispute XXXX ) and issued a conditional credit pending outcome of investigation. 

Citibank replied to me with a letter via their internal messaging system on their website, which I did not see, with a respond-to date of XX/XX/XXXX for supporting documentation. When I saw the request on XX/XX/XXXX I immediately called their customer service dept to explain what happened and we told to simply responded to the request and it would be fine. I responded with two .pdf 's with the information they needed to support the fact that XXXX XXXX  did not perform the work they were paid ( {$13000.00} on Citibank card ) to do. 

Citi then posted a letter on their internal messaging system that I had missed the deadline and they reversed the conditional credit. This letter was dated XX/XX/XXXX. 

I communicated many, many times with their dispute center and was told that the investigation was in-fact still open and a decision would come in 7 to 10 days. Each time I called I was told the same thing ; 7 to 10 days. 

On XX/XX/XXXX I send a release of claim of the money from the vendor, XXXX XXXX, to Citibank and discussed with their dispute center. The dispute center said it was an open and shut case in my favor based on this letter from the vendor on their letterhead. 

The last communication I had with their dispute center was XX/XX/XXXX and I was told that the investigation still continues and there is nothing they can do. They told me to communication to the dispute investigators, again, and plead my case. I've not heard anything from Citibank since XX/XX/XXXX ; all of the followup has been initiated by me. 

I am filing this complaint because Citibank is not honoring their commitment to protect in this dispute with a vendor that clearly, and admittedly, did not perform the service for which I paid using the Citibank card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX De XXXX XXXX Investigation previous to this, Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. I have fallen victim to identity theft. Which i have submitted FTC reports to show the fraud that has impacted my life. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes to Experian. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand this XXXX XXXX XXXX account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Experian data breach and may have got into the hands of the wrong person or put on the dark web.
Product: Credit card or prepaid card

Kohls has transferred this debt to a bottom-of-the-barrel debt collector that can't even accept payment. I have tried to deal with kohls and this is the final attempt before I file legal actions against The person in charge of this case personally and kohls separately. This company refuses to accept payment and is reporting incorrectly on the credit report. It is unbelievable that this company gets away with this day after day.
Product: Credit card

My daughter is an authorized user on my Bank of America credit card. She is only an authorized user, not financially obligated. She recently applied to refinance her home. When her CBR was run, her score had dropped significantly due to B of A reporting the balance I carry on her credit report as if she was carrying the balance. We had not authorized B of A to report on her CBR, my balance was shown on her report thereby violating my privacy ( I did not want my info for other 's to review on her report ), and the resulting drop in her score resulted in a XXXX basis point increase in her refinance rate ( which will cost app {$50000.00} over the life of her loan ). I addressed this with B of A through a number of channels, was initially told they ca n't do anything, then was told it was up to the CBR ( which I called and they affirmed they were only reporting as B of A submitted ), then was told I need to remove her as a user but her report would then show as account closed. I then submitted a complaint and finally was told they would remove the info from her CBRs, but it will take 60 days. She really needs to refinance now ; because of B of A her rate is higher, B of A should not have reported this on her CBR, should not have disclosed my info on her CBR, and should have not either lied or given me incorrect information through a rep, the rep 's supervisor, that supervisor 's supervisor, and finally the dept answering my complaint. This is a serious, and costly, breach of information sharing both for my daughter and me.
Product: Vehicle loan or lease

XXXX XXXX requested from GM Financial an audit review of our loan due to triple late fees added to our account and at end of loan requested transaction history showing the late fees assessment. GM Financial will not send transaction history of the late fee assessment. This loan has only XXXX late fee charge for entire XXXX ( XXXX ) years, & this was due to my husband being in hospital, etc. Thank you,
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Product: Money transfer, virtual currency, or money service

Tried sending {$400.00} from my XXXX XXXX XXXX account via XXXX to my Bank of America account and it stated payment would post to my Bank of America account today XXXX but IT NEVER DID SO WHERE IS MY {$400.00} at then!!!!????
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

I am not aware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believed I received proper notification, please provide the certified mail with the receipt with my signature on there, stating that I received it.
Product: Mortgage

some one came to my home and said that i was refining my home and i called Mr. Cooper and they said it wasn't i gave an agent money and i never seen a break in payment and my home was never refinanced but i have the paper work. I worked with a XXXX XXXX and the numbers are all disconnected. and they took XXXX from me with a check for XXXX to do it. So i feel something was financed or bought under my name. In 2022. I keep asking Nationstar? Mr . Cooper and I feel i got scammed
Product: Credit card or prepaid card

I was not informed my credit card would be closed. 
No phone call. No email. No received mail. 
Just a notification my account has been closed. 
I have had this credit card for years now. Ive never been made a late payment!
Product: Credit card

I notified the credit card company that my daughter would be abroad in XXXX and would need the card for both purchases and for cash. I was told there was a {$500.00} cash limit per month and what the fees associated with the transactions would be. My daughter withdrew approximately {$200.00} in cash as well as made several purchases. Then, with no notification, the cash withdrawal amount was changed to {$0.00}. I did a complete search of the policies regarding travel abroad and cash limits on the website and read everything there was, and there is no stated policy available on the website. I have spent literally the last 2 hours on the phone with them and have been told 1 ) that " perhaps '' the cash withdrawal amount would go back to {$500.00} the next billing cycle 2 ) that maybe it was because I had a late payment XX/XX/2016 ( then why was the cash amount of {$720.00} still available XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016? ) XXXX ) that maybe it was because the account had been inactive for many months ( but why did n't they inform me of this when I spoke to them at length about the use of the card abroad before my daughter left for her trip? ) 4 ) the card was meant for purchases, not for cash withdrawal ( why did n't they tell me this to begin with? ) I was told the credit department would do periodic evaluations of all accounts and decide on cash limits, but they would not look at my account specifically. Had I known all of this, I would have chosen another card to send with my daughter.
Product: Checking or savings account

My wife died. XX/XX/XXXX. Spoke with Wells Fargo estate care center by phone, given case number, instructed to see banker at local branch with death certificate to close account. It took over a month for a banker to return the call. Appointment was made on XX/XX/XXXX for XX/XX/XXXX, XXXX XXXX, told to ask for XXXX. Arrived at XXXX XXXX, a bilinqual employee was speaking to someone in XXXX, a XXXX customer tried to get his attention and she spoke to him in a rude manner. He finally acknowledged me and acted like I was an XXXX when I told him that I had an appointment. Says that XXXX isn't there and that they do not close bank accounts for the deceased there and walks off. I call the estate care center again to tell them what is happening and she is just as dumbfounded as I am. She asks if there are other bankers on duty, which I replied that they didn't say. By then a female employee is standing there while I am speaking on the phone, so I ask her if there are other bankers on duty. She says that there are two. The estate care center suggests that I try another branch, the employee overhears this and says that the other branch is not open. I mention that I'm going to file a complaint, then the bank employee says that she would see if a banker would help me. She came back and said that the bankers were with customers, and to give them ten minutes, After 15 minutes, for a total of fifty minutes, I left. A very inconfident, rude and XXXX staff. Been banking there for twenty-five years and I don't even feel comfortable stepping foot in their parking lot again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made two payments to XXXX XXXX/XXXX XXXX on XX/XX/2020 and XX/XX/2020 to pay off my loan, but my account is still being reported to Equifax as open and delinquent. This same account is properly reported to XXXX  and XXXX as paid in full and closed, but for some reason they are refusing to report that information to Equifax.