23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently received an insurance claim settlement from XXXX Hurricane Irma. During the long 18 months of claim denial from XXXX XXXX XXXX XXXX XXXX XXXX, I was tasked with replacing my entire roof total cost {$44000.00}. The roof damage was destroying the cedar ceiling thus creating additional problems that were not covered in my original hurricane claim. A s a last result, the roof had to be replaced at my expense and I was forces to sue the homeowner 's insurance. The full roof was replaced in XX/XX/XXXX by a licensed roofing company, XXXX XXXX roofing. At this time, during XXXX Hurricane Irma and the XXXX roof replacement, PennyMac WAS NOT my mortgage lender. My loan was transferred to PennyMac in XX/XX/XXXX. At the time that PennyMac acquired my VA mortgage there was no outstanding insurance claims, as teh previous XXXX Hurricane Irma was denied. After months of litigation via the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I was granted a settlement in XX/XX/XXXX. The check was payable to myself, PennyMac and the claims adjuster. After endorsement from the claims adjuster on XX/XX/XXXX, I contacted the insurance claim department A PennyMac was given these instructions : please mail the settlement check with a letter of exception to PennyMac insurance claim dept. In the letter of exception please request a endorse and release of the settlement check based on the roof repairs are completed. Include the settlement paperwork from the law firm, all paid receipts, and the roofing company invoice. PennyMac has received ALL required documents, ALL paid receipts, ALL invoices, a FINAL inspection was completed on XX/XX/XXXX and I have yet to receive a phone call with a status on the release of the funds. I continue to call PennyMac insurance claim dept. several times per week and each conversation is with a different representative that NEVER seems to be knowledgeable of their process. Please investigate this company and the way their claims dept. operate. They should not be an approved VA lender. All reviews and/or complaints regarding PennyMac are similar and warrants an investigation.
Product: Money transfer, virtual currency, or money service

I began banking and investing with Ally Bank in XXXX. Since then there have been no issues. On XX/XX/XXXX they randomly without warning closed my account. In doing so they froze all my stocks and I was unable to do anything with them or access my money. Then when I was forced to sell at the open on XX/XX/XXXX i incurred a huge loss. Now im waiting who knows how long to get my money still at which point I will have to get a new bank and trading platform and reinvest at a higher cost. Ally was more than happy to take my money and charge me margin interest for years. Then all of a sudden they take these drastic steps that they refuse to explain why or have any justification for that caused my family great financial hardship. A simple warning or asking me to close my account or even addressing whatever mistake ( misconception ) they made could have stopped this problem from occurring. But big old ally bank will go on just fine while i sit and type this with no access to any of my money for the continued future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX and asked for them to remove the 5 late payment remarks on my credit report in 2019. The company stated yes and that I will see the update in 30 days. The processed the request. I called back to check on the status and the representative stated it was still being processed. I reached out again after waiting and the next representative said NO it will not be done. XXXX XXXX lied to me. I have been a card holder for almost 8 years. I had/have XXXX XXXXXXXX on my account which covers when my account gets behind and keeps me from going delinquent by paying my balance. I had XXXX XXXX claim approved at the time because I was in a car accident XXXX XXXX stated they would perform a removal and then refuses to uphold it.
Product: Debt collection

Did not receive notification of this debt for {$1200.00} Currently, I live in XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I bought a phone from XXXX XXXX  for {$59.00}. The phone was defective and I sent it back for a refund, they received it, and okayed a refund. Papal has been given notice of this by me and XXXX  but refuse to give me refund credit after many attempts.
Product: Debt collection

On XX/XX/year> I contacted XXXX XXXX about communications via email that they have been sending me about a debt from XXXX. The email from them says : The law limits how long you can be sued on a debt. Because of the age of your debt, Jefferson Capital Systems , LLC can not sue you for it. In some states making a partial payment may revive Jefferson Capital Systems , LLC 's ability to sue to collect the remaining balance. 

This was originally an account with XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), account number ending in XXXX I asked them to have it removed from my credit report due to the age of the debt. XXXX XXXX stopped responding when I asked why they are communicating with me about a debt from Jefferson Capital Systems , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are showing late payments on my credit report. All accounts are paid off.
Product: Credit reporting or other personal consumer reports

Both XXXX and XXXX significantly dropped my credit score without providing reasons for the change. Both websites would not give me an updated report to show the reason for the credit score decrease. TransUnion also did did not change my credit score as well after reporting that a negative collection was removed from my profile. They did not provide me with an updated credit report as well.
Product: Debt collection

XXXX XXXX XXXX XXXX, representing Army and Air Force Exchange ( AAFES ) has been receiving payments on a debt via tax return offset since 2014 ; and receiving monthly payments via garnishment from social security benefits ( 10 %, {$110.00} ), and payroll garnishments. However, monthly statements do not reflect any payments from the above mention streams, and do not reflect a reduction in the debt balance. Where are these payments? When contacted, both entities, each stating, verbally and in writing, that no payments have been received. However, I have received notices from the Department of the Treasury that payment interceptions have been made.
Product: Credit card

I've had a credit card with Citibank for several years and have maintained on-time payments consistently. However, due to a recent illness, I missed my payment to them that was due by XX/XX/XXXX. Starting on XX/XX/XXXX, I have received/been receiving no less than 4 and up to as many as 10+ phone calls PER DAY from this company. In the past week and a half, I've received more than 50 phone calls ( and a couple of emails ). Having just returned home from illness, my phone log, answering machine and voicemail service is flooded with these calls. I've tried accepting/returning calls and have gotten disconnected or unable to connect with them. I intend to make my next payment ( and missed payment ) within the next couple of days but I feel the harassment from this company is horrendous and is causing extreme stress and XXXX. I didn't think these companies were allowed to badger and harass clients to this extent ( thought that more than 2x/wk wasn't permitted ). I'm hoping someone can do something to stop/prevent them from continuing to do this to me or anyone else
Product: Bank account or service

I am submitting another complaint about Chase bank in regards to customer complaints all the way in XXXX. first and far most, I am not a fan of knowing that when I have to be calling about a refund of an unfair and wrongful charge to my account, I should n't have to call or be connected to anyone in XXXX when the original problem is here, in Arizona. On XXXX XXXX, I was wrongfully charged XXXX XXXX from a vendor called XXXX XXXX, who were not allowed to have access to my account. Second, it was a false charge which was also confirmed by my healthplan via phone with the customer complaint in XXXX, and as of now, though the vendor, only submitted a refund of {$130.00}, the bank failed to return my money into my account right now. I am still not seeing the money adding up to my account as it should. this has got to stop and I want to know since when did I ever agree to send my private information overseas? 
I do n't like anyone from any country to have my personal information and I wo n't accept it now. something needs to be done immediately including refunding my money, at once, as well as adding additional customer service here, in the states, where many of these discretions continue to occur. I am not happy with all the hardship that I have had to endure with this bank and I want and expect answers right away.
Product: Checking or savings account

On XX/XX/22, I deposited a check for {$35000.00} at Citibank Branch Located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The check was deposited into my Business Checking. Account name : XXXX XXXX XXXX, account number XXXX. I am a signer on the account and my name is listed on account. 

The check was made out to me, XXXX XXXX and was issued by CA Covid19 Rent Relief Program through their bank XXXX XXXXXXXX XXXX XXXX. 

Approximately {$18000.00} was made available immediately I withdrew {$8500.00} as I was told by the teller at this location that they did not have enough cash on hand to deliver rest of the cash that was not on hold Teller advised that the release of the full amount of funds would occur on date XX/XX/22 On date XX/XX/22 I was informed that my account is being investigated and would likely be closed because of the amount of the check in question I was advised via customer service on date XX/XX/22 that my funds would not be available for XXXX days until an investigation has completed and account closed, at which time a check will be issued for funds in my account. 

My account is legitimate, my check is legitimate, I am legitimate This type of policies and or reckless rules should be outlawed If my account is being closed then I should be able to immediately withdraw my funds. They are essentially holding my funds in limbo with no cause. 

These funds are for government funded rent relief that I desperately needed to keep up with my mortgage. They are sabotaging any relief from the covid pandemic that I was about to receive, through laws that were passed by congress. 

Regulators and the Federal Reserve should put an end to this practice conducted by Citibank. 




I would like the Release of Covid 19 Rent relief Funds issued by the state of California, that is being held unlawfully and without legitimate cause. Since the check has already cleared, the funds should immediately be released to my possession. 

Congress passed laws passed laws to help people affected by Covid get relief, but this relief is being sabotaged by Citibank.
Product: Checking or savings account

Capital One Bank has withheld my check that XXXX deposited from my place of employment for 48 hours and they refuse to give an update or ETA as to when I will have my funds. Its going to be a very bad snow storm and because of Capital One, me and my child have no groceries and many of my bills are going unpaid including heating for my home. My pay date was today and its still no money in my account and I cant even access my XXXX $ in my account to pay for XXXX medication.
Product: Credit reporting, credit repair services, or other personal consumer reports

) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX   ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.
Product: Debt collection

Bull City is reporting a medical debt from XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not my responsibility. I am fully insured by the XXXX, and the XXXX scheduled this appointment for me at this office. I told XXXX XXXX XXXX XXXX XXXX XXXX several times that this visit should be billed to the XXXX, but they never did bill it properly. Now they are having Bull City Collections report this bill on my credit report simply because they never billed it correctly.
Product: Consumer Loan

I had an auto loan with XXXX that has been paid in full per a letter I received from them ( the car was traded in ) however they are reporting my account as delinquent to the credit bureaus with a balance of {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the dealership shopping for a new car. l was approve with an extremely high interest rate so I checked my credit report again to see why my rate was so high. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I have reached out to the FTC and to my local police department and I am doing this on my own and need these items deleted from my report. XXXX. XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX. US DEP ED, USDOE/XXXX, XXXX XXXX XXXX XXXX USDOE/XXXX. INQUIRIES : XXXX/XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has assisted an identity thief in accessing my account with them. They have connected a known email account to me, to the Credit Karma account. I lost control of the email address earlier this year. I used to be the owner of that particular gmail acvount, and it was hacked. I submitted documents via mail to credit karma to prove MY identity and restore MY access to MY credit karma account, and somehow they have connected the identity thief 's account directly to it instead.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

All I am trying to have rectified is for Capital One to issue the title to a vehicle from an Auto Loan. 

I paid off an Auto Loan with Capital One on XX/XX/XXXX, and at the end of XXXX I contacted them about when I would receive the title. I was told it was electronically released to Pennsylvania Dept of Transportation. 

I contacted PennDot on XX/XX/XXXX, and was informed that Capital One did not electronically release the title yet. Upon calling Capital One on XX/XX/XXXX they had told me Penndot would not accept the electronic release and after talking to the rep they had the wrong City listed as my address, and I was assured it was updated on the call and the title would be electronically released again. 

On XX/XX/XXXX I contacted PennDot again and they said they still did not have the electronic release from the lienholder. I called Capital One on XX/XX/XXXX following up and the address still contained the wrong City for my address, and again I was told it was corrected and the title would be electronically released to PennDot On XX/XX/XXXX I contacted PennDot again and they still do not have the electronic release. I called and spoke to a representative at Capital One who said PennDot declined the electronic release and she would not tell me if the address was corrected on their end. I asked to speak to a supervisor and was on hold for about 30minutes and I was told by the rep that a supervisor would call me in an hour or so. I did not receive a call back The night of XX/XX/XXXX I sent an email and have not had any response either Today on XX/XX/XXXX I called again Capital One again to request to talk to a supervisor, and I was told there was no supervisor available and they would have someone call me, and still have not received a call.
Product: Debt collection

POM Recoveries, XXXX. XXXX, have been harassing me about a debt of {$300.00} that was paid off on XX/XX/year>. It was the final one time payment made on the remaining debt of {$300.00} out of an {$1100.00} total debt that has been getting paid off since last year spring. The bank has confirmed that the payment of {$300.00} has went through and cleared to POM Recoveries on XX/XX/year>, which has also showed up on the bank statement for XXXX. POM Recoveries sent a notice dated XX/XX/year>, claiming the debt is still owed. It's been XXXX XXXX now, and the account has not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting fraudulent information to credit agency 's due to a ongoing dispute between us. 1 : I tendered payment and they did not like my payment that is acceptable under the current laws, Debt is discharged = period 2 : They never loaned anything and are not holders in due course of my " instrument " contract they sold it " securitized it on the market.

3 : They wrote off XXXX when there was only XXXX left and they removed my property and still never returned it or informed me about any sale therefore how can they post false, incomplete information. 
They are damaging me by multiple reporting, Amount, times, and charge off causing a XXXX point impact on all XXXX agencies and causing emotional stress
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees XXXX in the U.S. Military between XXXX - XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2025 Subject : Dispute of Civil Liability for Negligence and Non-Compliance under Section 1681 I hope this letter finds you well. I am writing to formally dispute the civil liability for negligence and non-compliance with the provisions outlined under Section 1681 of the [ Fair Credit Reporting Act ( FCRA ) or relevant statute ] regarding the recent issue that has occurred. 

As per the legal requirements of the FCRA and its associated regulations, I believe that these companies have failed to meet their obligations in reporting accurate information, conducting reasonable investigation and notifying me. This oversight constitutes a violation of my rights under the aforementioned statute. 

Specifically, my dispute revolves around the failure to correct inaccurate information in my credit report and failure to investigate a disputed claim. This lapse has resulted in erroneous credit report impacting my financial standing, denial of services etc. 

Under Section 1681 of the FCRA, individuals are entitled to certain protections, and it is clear that they have not fulfilled their legal obligations in this case. I request that this matter be promptly rectified by removing negative marks from the report. 

I trust that you will review this issue thoroughly and provide a resolution in accordance with the legal framework and industry standards. If this dispute is not resolved within 30 days I will be forced to take further action, including pursuing legal remedies available under the FCRA and seeking redress through appropriate authorities. 

Please acknowledge receipt of this letter and inform me of the steps you are taking to address my concerns. I look forward to your prompt and fair resolution of this matter. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX credit card was attempted to be paid in full ( {$44.00} ). Check # XXXX was sent on XX/XX/XXXX ( due on XX/XX/XXXX ). Payment was not entered until XXXX at that time we were charged a late fee on {$17.00}. We called on XX/XX/XXXX to dispute the fee. Cardholder informed employee that he will either take care of the entire fee or we will cancel the card. Employee informed that he took care of the fee. 
On XX/XX/XXXX, spouse of cardholder, attempted to make a purchase and was told that the account was closed. Consequently, we received yet another late payment. We called an were told there is nothing that we could do because the account was closed. 
We were told all calls are recorded. We requested that they review the call as the situation was not handled properly. 
As a result, the account was closed without our consent and we were told there is nothing that they can do about the additional charges because the account was closed.