23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

HSBC paid my taxes out of my escrow account and when it was returned, it had already been paid, they did not return the money to me. 
This was because the HSBC account was to be paid off in XXXX 2015. HSBC instead applied it as payments. This kept the account open so they sent the tax payment, which had already been paid by the new mortgage company. When the money was returned the account was closed as I had pointed out their error and they paid off the loan thus closing the account. 
I have been trying to get this money since XXXX 2015 and they keep telling me that they are still reviewing it. Customer Service says that they can see where the money was paid and returned but the refund it is handled by another department and all they can do is escalate the request.
Product: Credit reporting or other personal consumer reports

Hi there I had an issue getting my free annual credit report this evening I believe my report is being blocked, held due to discrimination and not only that I never put a credit block in the system on my behalf understand for so long I couldn't understand why I was not able to apply for things without any problems it's because this Credit bureau is purposely going an extra mile to block my report also they're sharing and providing my personal information in a identifying manner to have other citizens impose as if they are me apparently someone tried to stop me from getting an apartment, loans, and openings new things by blocking my credit report I had an issue years ago with this same problem when I lived in another state to where someone / these credit bureau had a credit block in the system I never put in for then I had to write a lot of certified letters to get it unblocked also the online system https : //www.annualcreditreport.com is not accurate with their tactics to retrieve an online free credit report as it states I never had a problem with getting my report many many years ago until they started targeting certain people I can't move into an XXXX XXXX a block on my reports I also lose money from companies trying to run my information after I paid a application fee not knowing they are working against me to set me up to pay fee after fee lastly the company is forcing me to send in a request by mail for my hand writing to be mastered used to forge my identity to other claiming to be me it's very inconvenient to be sending in request by mail you have to under am XXXX and it's hard for me to do regular hand writing motions then I have to wait weeks for my report thankyou
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to use my credit. That's fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau does not want to remove a  XXXX  account on my credit that is not mine. I have never had an account with  XXXX  and I know I have no unpaid debts with them. I have called  XXXX  and they do not have any records that match my personal information I give them. Why is the credit bureau refusing to remove this account? I also sent a dispute to  XXXX  in the past and   XXXX   promptly deleted the account in  XXXX  once they verified it was not my account. How can there be different results between  XXXX  and this credit bureau for the same investigation? This credit bureau is not processing my dispute properly and this mistake is affecting my credit unfairly! I am attaching   XXXX   XXXX   investigation results also showing the account was deleted. The account number is  XXXX  and the balance is {$54.00}.
Product: Credit reporting

My name was changed on my Trans Union credit report starting the date of the fraud document with the bank. I have sent all my information to TransUnion 2 times. Today I received mail from them again under the name XXXX XXXX XXXX, My name is XXXX XXXX XXXX. At this time I am not sure what other information in my report is wrong because I have not been able to get to a report in the last year. Thanks.
Product: Vehicle loan or lease

On the XX/XX/XXXX, I was approved to finance {$9000.00} with Lendmark Financial through dealer XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. The original total for the Trailer {$13000.00} ( including taxes ), in which a payment of {$4900.00} was applied. This brings the total to {$9000.00} financed with Lendmark with APR of 20.999 * ( 21 % ). I reached out to Lendmark Branch manager XX/XX/XXXX to request a payoff amount, after making 2 months payments of {$240.00}, totaling {$480.00} and I was advised {$9100.00}. I inquired on the calculation used to determine this amount and I have received a calculation nor a response. General APR of 21 % calculation, with a loan amount of {$9000.00} equals {$230.00} for a term of 2 months. My issue has been escalated XX/XX/XXXX to the District Manager, who advised " I will return your call today. '' I have not received a callback as of today XX/XX/XXXX a week later. I have made multiple contacts to reach the District Manager for clarification. I am concerned about why {$9000.00} with an 21 % APR with a 2 month term is {$590.00}. Please assist and provide an explanation. Please note per general APR calculation of 21 % on a {$9000.00} loan amount and term of 2 months total {$230.00} interest. I am disputing a difference of {$350.00}, Please clarify.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$310.00} XXXX  XXXX {$8900.00} XXXX/XXXX  XXXX {$670.00}
Product: Debt collection

I have received multiple mailings ( XXXX, XXXX, XXXX ) from the XXXX XXXX XXXX out of XXXX, Ill regarding a " debt I owed to Cashnet USA. '' They offered that I could pay my {$1600.00} debt with an immediate payment of {$420.00}. When I didn't respond to the letters, they started to call. Almost daily. I answered the phone at one point and the very abrasive man told me of this debt they were trying to recover. When I told him the debt was not mine ( I have NEVER had a loan through Cashnet USA ), he replied, " So you are disputing it then? '' I told him yes. 

The harassment for a loan that never existed in my name is infuriating. It caused me to pull my credit, just to make sure nothing was out there -- and it's perfectly clear. No outstanding loans, aside from my current mortgage.
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I SENT DOCUMENTS TO CFPB ABOUT EQUIFAX, ON XX/XX/year> I RECEIVED A RESPONSE LETTER FROM EQUIFAX ABOUT MY ID AND SSN, THEY COULD NOT READ BOTH IDENTIFICATION CARDS. WHY IS EQUIFAX PLAYING GAMES
Product: Checking or savings account

Relevant Information Provided for Complaint Resolution Purposes ( Only ) : My Full Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX | Last 4 of My SSN : XXXX Truist Bank Checking Account No. : XXXX XXXX XXXX XXXX XXXX. : XXXX ATM Information : XXXX, NC ATM Location : XXXX XXXX XXXX, XXXX, NC XXXX Name of the ATM/Bank at the time of ATM Deposit : BB & T Bank To Whom It May Concern : My Complaint relating to ATM Check Deposit of my XXXX XXXX  Insurance Settlement from a house fire I had. The check is still pending in my account that yet was deposited over two years ago on XX/XX/XXXX. I didnt know the check required two signatures and the bank will not send the check back to quicken loans and quicken loans will not sign the Truist Bank document necessary to have the funds released by Truist . Please help. My home kitchen is still in disrepair and this has gone too far for too long. I need the funds badly. The Amount of XXXX XXXX house fire insurance proceeds check I deposited at BB & T ATM on XX/XX/XXXX was {$7500.00}. The Check Amount Still Pending deposit in my Truist Bank Account to this date is {$7500.00}. The date of the ATM check deposit transaction was XX/XX/XXXX. The main issues is that only my signature was on the check when I made the ATM deposit of the check. I dont recall the time of the transaction. I used my BB & T ATM Card to begin the ATM check deposit transaction. I have complained to both the bank and quicken loans numerous times but there has been no resolution as neither party will do much to engage the other party. I am due two years of interest on my funds. I am not getting an attorney involved. Truist Bank Wont Release my funds without the second Signature. I am owed interest at this point too. These insurance check proceeds have been a pending deposit in my checking account for over two years now. 

XXXX XXXX XXXX Contact Phone # ( Mobile ) : XXXX XXXX Physical Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian account number # XXXX My name is XXXX XXXX XXXX complaining about old address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have requested address to be removed I do not stay there I have disputed this address before Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN, I'VE BEEN LIVING IN XXXX, NORTH CAROLINA FOR THE LAST 10 YEARS. MY ADDRESS AT THE TIME OF THIS INCIDENT WAS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

This was removed off my credit report keeps getting added back on also reporting wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information. I have attached my Documents below.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX and don't have contract with XXXX XXXX.They did not provide me with the original application loike I asked. 

Account XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
Product: Money transfer, virtual currency, or money service

Unable to connect account with Qapital App
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom is may concern I consumer did not give Equifax any written consent to place any information onto my credit report. The law clearly states that if there is no permissible purpose you cant place any information on a consumer report without the consent of the consumer. According to 15 usc 1681b, 15 U.S. Code 1681b - Permissible purposes of consumer reports : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This is clearly a violation and the information needs to be removed immediately within 24 hours. If a law says, as citizens and companies the law shall stand in court.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX - XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud
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 accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase Bank by J.P Morgan yes indeed I have been banking with that company for years more than 10 years and all sudden this year I call them to asked them to help me with XXXX, just so I can receive a money that my XXXX from the XXXX XXXX XXXX XXXX owed me. And ever since I have called Chase Bank on that Topic, Chase bank Customer Service responded to me that same day on the phone telling me how my account was restricted and no further details on why my account was restricted. But never Chase Bank called me or emailed me any information regarding about restricted my account. And I called last week and no one answered my calls, so yesterday morning I decided to pay chase Bank a visit and Sat down for hours and finally day told me that my account is Closed and that in 7 business days I will receive a check on the Mail. I asked really is that so, you mean I am kicked out the bank an the Clerk answered yes you are not to bank with Chase ever again. So I left on my way.
Product: Credit card

On XX/XX/2023 I was travelling to XXXX and have a charge for the unauthorized amount of {$480.00}. I contacted Wells Fargo who promptly rejected my fraud claim, I have a pending dispute case open with them but they claim it will take up to 90 days. They cancelled my card but will not refund me the money. I'm travelling so can't take calls on my phone number, please call XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had applied for the commerce bank charity charge credit card on XX/XX/2020 as I have an alert on my credit report a representative from commerce bank called me to verify my identity on XX/XX/2020 asked me identifying information from my credit report to verify me I answered all answers correctly and and the woman had said I was approved for the card with a XXXX limit and my card would be sent out and arrive within 10 business days. On XX/XX/XXXX I receive a letter from commerce bank bankcard verification department thats dated XX/XX/2020 asking me for drivers license and something with my address I faxed that in and spoke to someone who states my account would be reviewed within 3 days so XX/XX/XXXX I called to check the status and got a voicemail for that department no live person again today XX/XX/XXXX I spoke to the security department and was advised to speak to bankcard verification and was also told they would email that department for me as well needless to say I have left voicemails and nobody getting back to me today on XX/XX/XXXX I called in and was told my account was closed and still nobody has yet to contact me after leaving voicemails this is a horrible business practice open and approve an account and while the card is being mailed out to you they close the account that not only hurts my credit score it looks bad on my credit report as well as it will show closed by credit grantor I have excellent credit and I dont want this effecting my credit I would like to have this card reopened as I took a hard inquiry hit on my credit file and there is no reasoning behind this decision thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint regarding a recent issue with my CashApp account. On XX/XX/year>, the XXXX XXXX XXXX attempted to charge my account {$570.00}. This transaction was declined. Upon investigating the reason for the decline, CashApp informed me that the hotel had placed a hold on my card for this amount. However, the hotel manager has since provided evidence showing that no such hold was placed on my account.

Despite this, CashApp continues to insist that the hotel has placed a hold on my account, which is not true. I have been unable to decline the transaction or receive a refund. CashApp has been unresponsive and unhelpful in resolving this matter, even after several complaints and confirmation from the hotel staff that no hold exists. 

It has now been three weeks since the issue began, and CashApp maintains that the hold is still in place. This is unacceptable and has caused significant inconvenience. It should not be the case that it takes CashApp only seconds to withdraw funds from an account but requires an extensive waiting period to correct their mistakes.

I am requesting immediate action to resolve this matter. Please ensure the {$570.00} is returned to my account promptly and provide a clear explanation for this oversight. If this issue is not resolved quickly, I will be compelled to escalate this complaint to regulatory authorities and consider other actions to safeguard my financial interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting denied credit and loans, because of the false and misleading information that is being reporting by the 3 credit bureaus. I start writing and disputing these items online and through the mail since XX/XX/XXXX. While studying my right under the CFPB, I learned that the 3 bureaus pursuant to the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I sent each bureau the same letters, requesting my file. They were discrepancies across the board, a lot of inaccuracies with my name, addresses, creditors, balances, and utilizations. After receiving numerous adverse action reports, they all kept repeating the same information. So, I started auditing and disputing the Accuracy, Fairness, incomplete, and privacy on my credit report. XXXX and TransUnion compiled to my demands and either deleted or changed the adverse marks to the favorable marks that they were supposed to be. The only one that is not following is XXXX, they keep sending correspondence in the mail. Saying that they did an investigation, and everything is right and updated. 

I have written XXXX and they received my letters on XX/XX/XXXX, and XX/XX/XXXX. I've requested that XXXX provide the evidence of the investigation and reinvestigation. To provide Who they called, who they spoke to, names, addresses, and times. I told XXXX in my letters that no one in my family never got a phone call, I, personally never got a phone call. I asked my next-door neighbors, and they were never contacted, so I would like to know who they did the investigation with? Times are hard and I've been denied numerous times this week for loans that would help me and my elderly parents with food, healthcare, and gas to get them around to their appointments. this has brought on a lot of stress, bitterness between me and my spouse and lack of confidence in the government. I have requested the follow from all 3 bureaus and XXXX Is the only bureaus that has not complied. 

Inquires deletions - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX Utilization to 3 % - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX LATE PAYMENTS/COLLECTIONS DELETED - XXXX XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I am XXXX XXXX at XXXX Texas XXXX. 
I financed my house on XX/XX/XXXX. I had no issues with my loanwhen it was being serviced by XXXX from XXXX to XXXX. I hadelected to defer my taxes, which is allowed in Texas for over XXXXhomeowners. To prepare for the deferment I had put down XXXX percent. 
The loan was subsequently transferred to XXXX XXXX for one year. 
In XXXX they transferred the servicing to Seterus. Suddenly, I was informed that I owed a deficiency of {$26000.00}, the amount thatI had deferred over the years, which they later adjusted to {$34000.00}. 
The new payment would be {$5200.00} per month. This is wrong, I didwhat I was supposed to do regarding the initial structure of my loanand deferred taxes. This has affected my overall credit score and theyhave stated that I am late. My mortgage broker is trying to help mewith the documentation. I think that this is illegal on the part of Seterus to demand that I suddenly require that I pay all of my legally deferred taxes. I cannotafford the payment that they are asking for and now because of thisdilemma I can not refinance out of their loan, I need help as soon aspossible. They will not speak to me regarding revising their position onthe deferment. They have also stated that I amlate on the XXXX payment, which I made on time. I am fearful ofloosing my house over something that is allowable. I never had problemsbefore this. My Contact information is XXXX.
Product: Credit card or prepaid card

I have 3 credit cards with Capital One. All of these cards have an annual fee. I contacted Capital One and have tried to get the company to transfer these cards to cards to ones that don't have any annual fee. I was told to call back close to the time the fee would be due to check on any available cards that would be without a fee. I tried this many times as the fee on each card would become due. It was a complete was of time. I explained to them that I live on a fixed income and these charges are difficult for me to pay. I have no balance on these cards and the only thing I have to pay is their annual fee. All other credit cards I have there are no annual fees. JUST CAPITAL ONE. You would think they would have some understanding and want to help. I explained to them I don't want to close these cards because that would damage my credit score. Can anyone help me. I was only able to list one of the 3 credit card numbets.