23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Greetings I sent am email on XX/XX/2021 asking why my mortgage rate was going up again. It goes up every year. I didn't get an reply. But, before this I was getting calls to refinance and I said no. and then I was constantly getting harassed by this number XXXX. And He also text me XXXX XXXX to refinance. And when I wouldn't response I got an letter. A letter about my mortgage going up, because, they said, my taxes and Homes insurances went up. They also said, my home Insurance wasn't paid. However, my taxes didn't go up and even if it did, I don't pay taxes. I am not understanding this. Why have an escrow account if its always empty. I can pay my own homeowners insurance each year. Because they are terrible at this. However I thought I could paid the balance due at the end of the year, if I was short. This sounds fishy. I also emailed XXXX XXXX on XX/XX/XXXX at XXXX. XXXX XXXX XXXX. I didn't get an reply. 

XXXX XXXX
Product: Mortgage

I want Ocwen a division of XXXX XXXX to pay off the lien on my property with the {$130000.00} I already paid to my duplex. I want IndyMac a division of XXXX XXXX to extinguish {$80000.00} they reported to the IRS and count all of the {$97000.00} paid to the modification. 
I want credit for payments to HOUSE {$720000.00} {$510000.00} = {$200000.00} ESCROW payments {$200000.00} paid to Indymac and {$180000.00} paid to XXXX {$150000.00} paid to fleet {$150000.00} to XXXX XXXX to credit cards ( with {$23000.00} to XXXX of {$38000.00} added to mortgage ) DUPLEX {$350000.00} - {$99000.00} = {$250000.00} escrow payments? 
{$190000.00} paid. XXXX foreclosure ( {$150000.00} to {$33000.00} VA loan XXXX ) -- -- -- -- - ESCROW surplus.? {$39000.00}. 
XXXX - {$88000.00} est 17 years WHERE IS {$120000.00}? 
{$250000.00} - {$17000.00} estimated WHERE IS $ XXXX+XXXX {$370000.00}? 

{$260000.00} + XXXX + {$38000.00} XXXX XXXX fake mortgages? 
{$360000.00} was not paid off. It was ADDED! 
I want to know what is going.on and why these loans were released twice. 
In XX/XX/XXXX and again in XX/XX/XXXX. 

I WANT This FIXED! 
Estimated {$100000.00} disbursed
Product: Debt collection

California Accounts are not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... They also have not sent me validation of the debt.
Product: Checking or savings account

I submitted an extremely thoroughly done dispute with the USAA bank over a jewelry purchase. Over the next week and a half the bank pretended everything was kosher, until the finally decided that they would not help. I have massive amounts of evidence.
Product: Checking or savings account

My Certificate of Deposit ( CD ) account with Marcus by Goldman Sachs matured on XX/XX/year>. According to the account agreement, the funds should have been transferred to my linked bank account upon maturity. However, the account still shows as being open on the website, and the funds have not been transferred. 

I contacted Marcus customer service multiple times via chat and phone to resolve this issue. Each time, I was informed that an alert had been placed on my account, but no one provided any specific details or actionable steps to resolve it. I spent over an hour and a half on these calls, being transferred between representatives without any progress. 

I requested detailed information on the nature of the alert and why my funds had not been transferred, but I received no satisfactory response. This has caused significant inconvenience and concern regarding the security of my funds. 

I am seeking the immediate resolution of this issue, including the removal of the alert, the proper closure of my CD account, and the transfer of the funds to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acima breached it own contract. All parts were NEVER delivered yet i was charged. Even though they explocit state in the contract that payment is not due until all parts are delivered. Its been 5 years and i still have received the part. I will continue sending complaints until the tradeline is removed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

On the day of XXXX couple of transactions, were made from my account while I was heading to work with my debit card. The XXXX one was at XXXX # XXXX XXXX XXXX XXXX. XXXX XXXX, CA. withdrawn $ XXXX XXXX one was at XX/XX/11 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , withdrawn XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX CA. XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX THAT'S all the transactions they did throughout the morning while I was going to work.
Product: Credit reporting or other personal consumer reports

I have a hard time getting in contact with a representative to actually get ahold of to acquire about getting inquiries removed Ive contacted the company directly about getting all 4 inquiries I didnt recognize on my Experian credit report having a hard time getting removed need assistance getting stuff removed I never applied for nor received anything
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX 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 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 reported in XXXX, XXXX, and XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XXXX/XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Product: Debt collection

This is my 3rd time submitting a complaint against Rhodes Kelly & Associates. They have once again failed to provide me with adequate validation of the medical debt that was placed with this office. In addition, they have violated HIPAA by sending me a copy of medical correspondence displaying personal information. They claim that there is an agreement in place that allows the obtaining of this information. I was not made aware of this agreement prior to this information being sent to them. The information should have been sent to me directly from the original creditor. I mailed a letter to Rhodes Kelly & Associates on XX/XX/2018 regarding this HIPAA violation ; they are aware that they have 30 days to respond. Please note that 30 days had past and they didn't respond or mark my credit file as disputed. My credit file was updated on XX/XX/2018, indicating a {$28.00} decrease in payment, this is well over 30 days. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute ; Keep in mind they signed for the certified letter on XX/XX/2018. I have retained a copy showing date of receipt, as well as a time-stamped copy of my credit reports showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

I am demanding for these collections to be removed from my XXXX credit file immediately or it leaves me no other choice but to proceed with legal action.
Product: Credit card or prepaid card

I tried to file a dispute and get a refund in the amount of {$720.00} through CONTROL PREPAID MASTERCARD for services that i payed for that wasn't rendered to me. For a trip that i was making payments on through a travel agency named ( XXXX ) for my up coming Honeymoon to XXXX XXXX  XXXX. XXXX took my money and cancelled my trip and said they were cancelling all trips and shutting down their operations due to the travel band and they didn't issue me a refund. They said i had to go through my bank to get my money back they weren't giving out refunds. The trip in total cost a little under {$3000.00}. But i only got to make two payments on the trip before they cancelled the trip. XXXX has scammed thousand of people out of their money. It has been all over the news. I sent all necessary paperwork to control/XXXX to try to get my refund as a charge back or etc and they denied my claim and said it was between me and XXXX. It was nothing they can do. I've never heard of a bank not protecting you from things like this.
Product: Credit reporting or other personal consumer reports

Applied to Chex systems XX/XX/XXXX and XX/XX/XXXX and spoke to XXXX of their representatives XX/XX/XXXX. Representatives told me their system was having technical difficulties on sending 1 time passcodes. Tried again today but couldn't get a reply again. And in the first place the first and second times I requested report by US mail which was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity of 7 different accounts with Equifax by mail. The accounts are still being negatively reported on my Equifax credit report even though all of the creditors have and are violating the FCRA. Proof that the creditors did not validate my debt was sent along with a letter requesting that Equifax investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to Equifax headquarters, and was received on XX/XX/XXXX. No response from them has been received and it is well beyond 30 days. My credit report also still shows all of the negative information that can not be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX. XXXX reports onto TranUnion, the other does not. I am trying to understand why the one account does not. The card has been open for 20 years, and has a {$43000.00} credit line. Both of these factors could potentially play a major role in my FICO score. Who knows what effects this has had over the years on business decisions I have made. Oddly enough, the tradeline reports on my wife 's TransUnion credit bureau, and she is simply an authorized user. 

I have contacted XXXX on three occasions. XXXX of last year was the first. They advised me the would " push the tradeline through ''. After 90 days of it not reflecting, I called them again. They said they could push the tradeline through again, but it wouldn't do any good because it was already pushed through. To this day, it still has not been pushed through. 

A few weeks ago, I decided to dispute the tradeline with TransUnion. They have since completed the investigation and no changes were made. I have done nothing but make payments on time and fulfill my obligation as an upstanding customer. If I stopped making payments, the tradeline would be reported as derogatory on my report. This is completely unfair that as the primary cardholder, this card is not reporting onto my file. 

This is a last effort to avoid legal action to fairly, and accurately, report this account onto my credit bureau report. 

XXXX
Product: Student loan

This was a private loan my school took out to help me pay for school. I spoke to Sallie Mae about this loan because my student loan look different. Sallie Mae told me did you realize you have a private loan. I paid the loan in full. The company who the loan was with the name XXXX XXXX XXXX XXXX XXXX XXXX. This loan was taken out in XX/XX/2007 name XXXX XXXX student loan business. The school was XXXX XXXX that took out this loan.
Product: Credit reporting or other personal consumer reports

Information on my credit report remain inconsistent and inaccurate despite my request to the credit bureaus to have them removed. The XXXX XXXX XXXX failed to validate the debt they are trying to collect on me and i was never notified of such collection activities until i discovered them on my credit reports.
Product: Credit reporting or other personal consumer reports

My profile includes incorrect personal details. I request a review of the documents that contain my accurate information.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : **Account Name : XXXX XXXX XXXXXXXX XXXXAccount Number : XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX COMPLAINT : To whom it may concern ; I had used a XOOM Money transfer to wire money through phone apps program that I have. I have an online account with XOOM, which is owned by XXXX. I initiated a XXXX U.S Dollars money wire transaction from my Checking Account ATM card of XXXX XXXX XXXX  through XOOM. This transaction was done using XOOM Money service to transfer money to country of XXXX to ( XXXX Account and IBAN number : ) to my sibling XXXX XXXX. 
XOOM Transaction confirmation is XXXX. 

It has been 4 calendar days since I did this transaction with XOOM.com a money transfer XOOM representatives have given me two false phone instant messages claiming to have send the money and completed the transaction indicated it was deposited into the XXXX Account reference above. 

Upon having my sister XXXX XXXX whom supposed to receive this wired money I asked her to check her Bank account online. This account summary which is enclosed as evidence does not show any deposit of that date or amount at all. Zero transactions on XX/XX/XXXX. In the amount of XXXX US Dollars. This is clear evidence that XOOM is defrauding customer of XXXX  through their unreliable and dishonest money transfer service which has failed to complete transaction and has cause an alarm by sending a fake message to my phone showing the transaction was completed. 

I am sending you all the transaction screen shots and XOOM direct emails and messages as an evidence of their evasive customer service and defrauding corporation base in XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/2021 I received a Debit Card in the mail with my name on it from XXXX XXXX by XXXX. I never opened an account with this bank. I attempted to contact customer service first by the contact form on website, it lead to a 404 error. I called the number next, I either had to enter my card number in which it wanted to activate the card or enter my Social Security Number. I could also report lost or stolen card options. I tried staying on the line or pressing 0. These led to not a selection or hanging up. I did some searching and lot 's of people complained about the bank and other flatly said it was a SCAM to get you to give you your information or deposit money into the account. The mail looks very legitimate. The company even has apps on XXXX XXXX and XXXX XXXX. I would NEVER trust a bank that sends me a debit card I was not expecting or a new account I did not set up.
Product: Debt collection

On the week of XX/XX/XXXX - XX/XX/XXXX Capital One held back a mass amount of direct deposits from consumers including myself. 

Before and during this time capital one continued sending me constant emails daily if not more then once a day requesting I select payment plans to pay an old Credit Card debt. 

I filed a complaint officially but I still continue to receive constant emails everyday and have been for over a year now and they will not stop emailing me to beg me to pay them. 

I'm specifically complaining because how are you going to beg me to pay you but hold my direct deposits for 2.5 days. Also as if us consumers hadn't figured it out that it was a sham to gain a mass amount of interest to pay off their XXXX XXXX in debt. 

The constant emails, however, are ridiculous, and especially when they couldn't even pay me on time why should I pay them? 

Below i have attached screenshots of the constant emailing, and my complaint to them about it. The date of my complaint was XX/XX/XXXX. Which you'll see from the screenshots the emails never stop.
Product: Checking or savings account

My wife and I have several accounts at Synchrony Bank. A short while ago this afternoon, we received several emails indicating that Synchrony had made trial deposits into our " Amazon Credit Builder '' account. We do not have such Amazon accounts. We tried to contact Synchrony, but found tha t : 1 ) calls to their telephone number do not go through 2 ) when they do go through, the automatic system can not verify our identity, either via account number or social security number, and the robot hangs up the call. It is not possible to reach a human. 3 ) the chat function on their web site does not work 4 ) when we log on to their web site, which we did multiple times, the system will not load our accounts. It just says " an error has occurred '' 5 ) th
ere is no explanation posted on

Synchrony 's web site or social media accounts. Are you able to reach Synchrony on our behalf, and ask them to contact us, and advise us what is wrong and the status of our account
s? 

Our telephone is XXXX XXXX XXXX ( Please remove this if you publish this complaint ) Thank you!
Product: Mortgage

I had sent an email on XX/XX/XXXX asking if there was a way to lower the payments or settle for a less amount on this account. I did not receive a response so on XX/XX/XXXX I reached out to XXXX XXXX ( FCI Lenders ) to speak with XXXX XXXX regarding my account. He had stated he did not see my email. I have voiced my concerns many times before this interaction that the agreement that I had to enter to save my home from foreclosure before was not feasible for me as they were going off income from a year that a job I had paid a large bonus out for me staying on thru the closure. My payments went from {$210.00} to {$350.00}. I have been behind pretty much the entire time as this loan was initially obtained in XXXX when they were allowing subprime loans. This is the only 2nd mortgage company that has not been willing to work with me and the only one who went the opposite direction with the payments they went up instead of down. When voicing my concerns XXXX XXXX XXXX, his only solution is that I need to pay what is owed. I have been told there is no other option for me. In XXXX they were willing to take $ XXXX to settle the loan. At that time I could not come up with the XXXX XXXX. They rolled the unpaid interest and the unpaid principle into another loan which in the end is costing me a minumin on $ XXXX more. When I asked XXXX why they were the only mortgage company charging late fees during covid he stated it was because they do no get the kick backs from the government. Seriously? The way he talks to me is very condesending he is not empathic to anything his only concern clearly is that they make the most money they can. He stated the only way I could get a settlement was if I was a year behind which would not happen before foreclosure set in as they have already served me and charged me legal fees twice for foreclosure proceedings. It was stated to me that this mortgage is just like the 1st mortgage and when he asked me to call and see if my 1st would take a settlement I advise they are offering me a modification. This is not a company that is here to help anyone but there bottom line. I wish when they did my loan tranfsfer from the original lender it was a different company or an option to roll it in the 1st. It has been a nightmare trying to come to a solution or getting any kind of options.