23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our problems started when Freedom Mortgage replaced XXXX XXXX manager of our VA loan. Freedom paid our homeowner 's insurance premium a second time. We were not aware of the duplicate payment until XXXX 2016 when we received a refund check from XXXX XXXX. XXXX We had not received any correspondence on this issue from Freedom. regarding their overpayment prior to received the ins. co 's refund.On XXXX XXXX, 2016 we sent a letter advising the refund and enclosed our check for {$1700.00} with a request that the money be returned to our escrow acct. The check cleared our bank on XXXX XXXX, 2016. We received a letter from Freedom dated XX/XX/2016 advising our escrow acct was being increased by {$170.00} per month to a total of {$610.00} per month. XX/XX/2016 we sent another letter asking why our payment was not credited to our account? We still do not know the answer. We have made multiple calls to Freedom multiple reps have not given any explanation in addition copies of my letters have been faxed twice to Freedom. XX/XX/2016 received letter requesting 30 days to respond to my claim, as of XXXX no response. XX/XX/XXXX rec 'd letter advising our acct in default, until {$170.00} paid. Letter indicated we would be sent to collections. To avoid late fees and possible black mark on credit history we allowed bank debit payment. Rep promised us that sup'r would call us within 2 days, still no contact. XXXX XXXX, 2016 Sent another letter with copies of my prior letters. Dispute now 3 months old, requested that we either get credit to our escrow or a cash refund within 10 days for our payment of {$1700.00}. Freedom Mort has caused us a tremendous amount of stress over their error. We are senior citizens and we feel the company is taking advantage of us with their total disregard for our rights. Their reps have apparently made no effort to correct their mistakes or to return our calls promptly as promised. Obviously, we need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

These in injuries are unauthorized I have no knowledge of them. I have identity theft case going on as I text this message. My identity 5th case started in the XX/XX/XXXX. 
The police report number is XXXX The officers name : XXXX XXXX XXXX : XXXX XXXX police department XXXX, ny phone number : XXXX. 

On the specific dates below are unauthorized Inquiries. Someone is still using my name there trying to get a XXXX  car. Pardon my French. But these Inquiries are hurting me when I try to get funding. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Debt collection

I have tried reaching to this company regarding this matter. fraud account, no contract
Product: Mortgage

Mortgage Loan Number : XXXX - XXXX and XXXX XXXX. 

My husband and I obtained a Construction Permanent loan that converted into a Permanent loan earlier this year with Fulton Bank, N.A, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX. 

I contacted them on their XXXX phone line the first week of XXXX and informed them that I believe that the Escrow/Tax/ and payment information that they are reporting to me on my monthly statement is incorrect. I make large curtailments each month, and I am concerned that in addition to the possible errors with my escrow accounts, the payments are being applied incorrectly. I requested a payment history for the entire year, since the inception of my loan, and also requested that they perform an Escrow Analysis and send these to me within 2 weeks. I am not sure that the gentleman that I spoke with XXXX XXXX XXXX fully understood my request based upon some of the things that he was saying about how a loan amortizes, etc. ; however, he assured me that Fulton Bank would send me the requested documentation. 

Yesterday, we received an Amortization schedule in the mail from Fulton Bank starting with the Payment Date of XX/XX/2020, which is next month. This is obviously not the historical payment history that I requested starting with the inception of my loan, that would provide me with how Fulton Bank has been applying my payments. The document they mailed me is actually a " future payment history '' looking document that includes an additional principal amount of {$200.00} each month being paid, which is very confusing to me, as they have no idea how much additional principal that I plan to pay each month. 

We are concerned that approximately {$2500.00} is missing from our escrows, and that Fulton Bank has misapplied our my payments. The most recent statement that we have received in the mail shows us that we are due for the XXXX payment in the amount of {$0.00} dollars. I have not pre-paid my mortgage.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any incorrect accounts must be removed from my credit report. Can you please verify the documents? Some listed accounts have inaccuracies, with wrong amounts and dates reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuses to provide proof of credit validation. 

They harass me numerous times during the day. 

I have sent validation letters in : XX/XX/XXXX XX/XX/XXXX They still insist I pay for this account. 

This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

about 2 years ago i paid midland funding LLC in the amount of XXXXXXXX   dollars. this was for a card with XXXX  XXXX XXXX. i notice today XX/XX/2019. this amount is still on my account. i called midland funding LLC about it they said that i didnt pay it. then the guy hung up on me. I then called XXXX XXXX XXXX about it. after looking deep in my account he seen that i did pay XXXX dollars a to midland around 2 years ago. he said he could not how ever help me out i would need to file a dispute. against Midland funding LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting date XX/XX/23 I had loans showing up that never applied for which is hurting my score bad a reached out to XXXX  also XXXX  and had no luck I havent been able to pay my bill nor provide for my family
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX The above 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} US SM BUS ADMIN ODA Date of inquiry : XX/XX/2021 XXXX : XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} XXXX : XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Reference # : XXXX Date Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency are in clear violation under 15 USC 1681 ( 2 ) ( a ) ( i ) and 15 USC 1681b .We did not give them any written instructions to furnish this on our credit report. I sent certified mail and feel like I'm being taken advantage of and being ignore by my disputes. We demand these accounts to be deleted immediately or we will file for ligation.
Product: Credit reporting

There were student loans taken out in my name without my knowledge and a police report has been filed and sent to the companies
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history 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 my 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 to be updated.

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. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT MULTIPLE LETTERS AND PROOFS TO EQUIFAX TO UPDATE MY CURRENT ADDRESS AND REMOVE OLD FRAUDULENT ADDRESSES THEY HAVE REFUSED TO DO SO. I HAVE NOTIFIED THEM THAT MY CURRENT ADDRESS IS XXXXXXXX XXXX XXXX XXXX MI. XXXX. I HAVE ASKED THEM TO REMOVE ALL OTHER ADDRESSES AS THEY ARE INVALID AND FRAUDULENT THEY HAVE REFUSED TO DO SO. THEY ARE LEAVING THIS INFORMATION ON MY RECORD LEAVING MY OPEN TO BECOME A VICTIM OF IDENTITY THEFT ONCE AGAIN
Product: Debt collection

Letter received from American Coradius International LLC claiming debt not owed. Verified not owed with original creditor ( XXXX , XXXX ).
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : 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  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXXXXXX : Bankruptcy Reference Number XXXX Date Filed XXXX. XXXX, XXXX XXXX XXXXXXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  nquiry XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX LL XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Balance : {$0.00} Original Balance : {$0.00} Account Number : XXX Status : Open Date Opened : XX/XX/year>2018 XXXX XX/XX/XXXXBalance : {$0.00} Original Balance : {$0.00} Account Number : XXXX Status : Closed Date Opened : XX/XX/year>2018 2018
Product: Credit card or prepaid card

Made a balance transfer to credit card at a 0 % APR until XX/XX/2020. The credit card was used to make a purchase, and the amount of that purchase was paid at the end of that month. However, ever since I made a purchase and paid it off. The credit card company charges me interest every month. I called the credit card company to ask why am I being charged interest on purchases I have not made. I was told that this is what happens if I use the card, I will be charged interest on purchases, until I pay the whole balance transfer off first ; the purchases go on the back end and will accrue interest. Ultimately, I find their practice to be deceptive.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXXXXXX THE HOME DEPOT/CITIBANK XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/2024 Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company name for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I requested a refund from Nelnet for payments I voluntarily made towards my student loans during the COVID19 forbearance period. The total refund requested was for a one-time payment of {$5000.00} made on XX/XX/XXXX. I am entitled to this refund as per the CARES Act. I am worried that my refund request has somehow been lost, as I now know multiple people serviced through Nelnet who requested refunds far after my initial refund request who have already received their refunds. When I call Nelnet, they repeatedly tell me that my refund request is " processing '' and are unable to offer me any additional information. It has now been nearly 8 weeks since my request, when Nelnet representatives have quoted me an approximate 4-6 week turnaround time. I understand they are currently inundated with refund requests, but something does not seem right here. I am submitting this complaint in order to at the very least receive more information from Nelnet about the status of my request.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment for a Villa in XXXX. The payment was made through XXXX using my Citi Bank card in the Amount of {$750.00}. My trip was for XX/XX/XXXX-XX/XX/2020. Due to Covid-19 my trip was cancelled. I communicated with the company that I rented the villa from and they were well aware of the cancellation before the 30 day cancellation window and agreed to refund my payment. On XX/XX/XXXX the company attempted to refund my money through paypal. On XX/XX/XXXX I got a notification that the refund did not go through. I reached out to my Credit card company Citi Bank and let them know what happened and provided all the documentation showing the payment and attempted refund ect ... They issued a temporary credit and waited for XXXX to respond. XXXX responded to them with the transaction information and they took the credit back from me. I called and asked what was going on the rep told me not to worry because I would get my money back because I clearly did not get the service I paid for. I told her I had sent all my documents in. She told me I was supposed to return a letter signed and they would continue with my dispute. I later received a letter from Citi saying that my needed to reach out to XXXX because there is nothing they can do. I have since reached out to paypal who has sent be back to Citi to have them handle the claim and reach back out to them. I contacted Citi told them XXXX told me to come back to them. I asked them to reopen my claim and I resent all the documents that I had initially submitted back in XXXX. They then sent me a letter saying that the timeframe has lapsed an I need to contact XXXX. I have since reached out to XXXX who has now sent me back to Citi to have them help me because they are waiting on Citi to contact them with their decision that they XXXX will honor. I am tired of going back and forth with these two companies. I need my {$750.00} back. I have done everything I was supposed to do and I am still being passed back and forth. Please help!!
Product: Checking or savings account

Timeline of US Bank involuntarily closing my checking account ( last 4 digits XXXX ). 

XX/XX/2021 - Deposited 2 checks in US Bank from my son in law, XXXX and my daughter XXXX. The money was proceeds from a sale of a house. 

Check amounts {$92000.00} and {$15000.00} Unknown date - Logged into US Bank to see if the funds were available and saw message Our system is temporarily unable to display this information. Please try again. 

Checks were returned XX/XX/2021 and {$38.00} return check fee. 

Called XXXX to see what was up with the checks and after researching it saw that he used out dated XXXX checks that had the old routing number on them. On XX/XX/XXXX, XXXX changed partner banks from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX Due to this partnership, the routing number was changed to XXXX from XXXX. XXXX didn't realize the checks had the older and no longer valid routing number. See https : XXXX XX/XX/2021 I went to the XXXX XXXX branch and spoke to XXXX XXXX to close the account and get the remaining balance of {$9800.00}. 

She said I could not close the account and the bank would close it and US Bank would give me my money on XX/XX/2021. 

She sent an email to the Deposit Risk department that only bank branches are allowed to contact She said to call the Fraud department at XXXX ( wrong number ). 

I called her to ask for the correct number. She said it was XXXX ( wrong number ). 

Called again and asked for the correct number which she finally gave as XXXX ( correct number ). 

She called me in the afternoon and said I needed to call my branch in XXXX XXXX, ID where I opened my account. 

Spoke with XXXX at XXXX. He said that the main office said he could give me the money but didnt know the exact balance so he refused. He had a rude attitude Called my son in law and asked him to call XXXX. He called him and explained that he was the one to make the mistake. XXXX offered to forward over documentation that his XXXX account had more than enough funds to cover the checks and the mistake was a routing number that had changed on this account. XXXX said he would look into it and call XXXX back. XXXX never called back and no more updates have been received by him. 

I completed a form on XXXX XXXX. 

XX/XX/2021 - XXXX XXXX XXXX XXXX called and said I should contact the Consumer Financial Protection Bureau and send him these details. 

I'm attaching the evidence : * Deposit receipt * Copy of one of the checks from XXXX 's XXXX account * 2 letters from US Bank " RE : A hold has been placed on your account ending in XXXX '' * Ledger from XXXX 's account showing his account balance had enough funds XX/XX/2021 the date of the deposit.
Product: Checking or savings account

I made a mobile deposit with two payroll checks and one of them cleared, but the other one didnt I called them and they told me that there was an issue with the check and had me call my employer which told me that the check had cleared their bank and that its Wells Fargo that is delaying my deposit. I have called them several times and they told me they cant release the funds until next week and I just have to wait, this has been an ongoing issue with Wells Fargo for me
Product: Credit card or prepaid card

Just realized I have been charge Card Security Fees each month. This month alone the fee if over {$120.00}. I was never asked if I wanted to sign up for card security. I would like a full refund of my fees. This card security is automatically added, and as a consumer who works and spends thousands each year at lowes it needs to be addressed why they can add this without consent. This is not authorized by me.