23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have 2 types of complaint - 1. US Bank 's Insurance Service Department has received a check issued me by my homeowners ' insurance carrier - water damage claim - and US Bank has been very unhelpful, slow, and somewhat secretive about how I can get them to release the money so I can pay the contractor. It now looks like they want the job to be 90 % complete and inspected by them before they release the first dollar. This is unfair, too restrictive, and very bad service. I'm XXXX years old and feel that maybe I'm being treated this way because of my age. 

2. I tried to pay extra principal to my mortgage account with US Bank today, and the website won't accept the money, and several US Bank representatives - I've talked to 3 - aren't able to explain why they won't accept my money. In my opinion, they are deliberately trying to discourage mortgage customers from paying early.
Product: Credit card or prepaid card

XX/XX/2019 I applied for the XXXX  credit card in the Chase Credit Card website and be approved one month ago. I have yet received my credit card. I call the customer service of the Chase Credit Card company and they transfer my call to many many departments. The call lasted for almost one hour. But, none of them can answer why I can not get my card and how I can get my card. This severely influence my life because I was waiting for the card for emergent purchase.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/2022
Product: Checking or savings account

The XXXX ( Webster Bank ) account is a joint account between my wife and I. We setup my wifes checking account as an external account to transfer funds to our XXXX account. After successfully validating the account using two small deposits method, Webster bank suspended our account. They asked for a copy of the bank statement from the chase checking account, and while we provided that to them, they have not unlocked the account or given an estimate of when itll be unlocked. 
Also, we had a transfer of {$6900.00} from our XXXX XXXX XXXX  account that was supposed to be deposited on XX/XX/2023. However they are not confirming that its deposited and we dont have access to log into our account to make sure its depositted.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, MA XXXX, has sent my XXXX XXXX bill from a service on XX/XX/XXXX to a debt collection agency, First Financial Resources Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. This has taken a hit to my credit score. However, the amount that is still continued to be billed to me is {$1400.00}, while my insurance, XXXX XXXX XXXX XXXX, has worked the claim in my favor to be reduced to {$290.00}. Even my insurance states that the Amount Not Allowed. The amount your provider billed for this visit that exceeds our network contract ; you do not owe this. Is {$1100.00}. XXXX XXXX XXXX, does not honor the correct amount and this information is also not relayed to the debt collector, First Financial Resources Inc.

I have been in regular contact with my insurance since the incident. The current date is XX/XX/XXXX, so this has spanned over XXXX XXXX XXXX XXXX XXXX. After much hassle, my responsibility was reduced to {$290.00}. I am still getting sent bills for the amount I SHOULD NOT OWE. The most recent bill on XX/XX/XXXX, sent by a debt collection agency, XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, still has the incorrect amount listed.
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, my FTC report number was XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent accounts which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX  XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXXXXXXXXXXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$31000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Checking or savings account

Bank of America XXXX XXXX XXXX XXXX, FL XXXX Dear sir, I have received a letter from office in XXXX, FL, prepared on XX/XX/XXXX regarding my account ending XXXX. Even though this letter indicated the research request no XXXX, I can not remember which file you indicated as saying this account isnt being reporting to your file. I know that I already had some issues with XXXX XXXX XXXX ; however, since you indicated its name and asked me to contact to obtain from this company. I know I do not have any issues with XXXX which immediately added the security alert in XX/XX/XXXX after contacting to me ; even though I do not remember whether I requested or not. I did many things for my safety and security without grasping what was going with my identity and personal information. Since your company asked me to request the consumer credit report from XXXX XXXX, I will request it to its officially recommended office in XXXX in its website, not XXXX to avoid the mail missing or for the security of my identity in case the letter which your representative of office in XXXX might try to harm me since I received suspicious and impersonate emails and letters. Regarding XXXX XXXX XXXX, I have checked already what this company had sent without any request from me as far as I remember ; even though I might have requested during the process for my security without realizing. This reports/files contain the information account ending XXXX ; therefore, your information has incongruity, if the file is meant the report from XXXX XXXX XXXX. Anyway, if possible, would you explain what file is meant, if you are not impersonating office of Bank of America. 
Sincerely,
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding overdraft fees imposed on my account. Despite having sufficient funds when transactions were authorized, I was charged fees due to delayed 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: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX ( medical bill ) this I paid completely off in early XXXX of 2021. XXXX and XXXX have removed this from my credit score sometime during the third week of XXXX but experian hasn't in the past month and I haven't been able to contact a human about this issue in the last few weeks of calling them. There is no real option they give through the automated prompts that are able to help me with my issue. So now since majority of credit card businesses and mortgage companies seem to use experian in my area I am getting denied with them saying I have something in collections that's due when I do not. They are not getting a complete and accurate credit report. It shows I have a collection due when I do not and I would like to have it removed just like with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act COMENITY BANK/VCTRSSEC XXXX , has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}. Please send me the results of your investigation within the next 30 days and correct the disputed account from any erroneous reporting of information on my Credit File.
Product: Debt or credit management

They have my information and requested a XXXX. Now Im questioning the legitimacy of the company. The company ran an add through the radio to call their number to find out what options and programs they could offer. After a XXXX min phone call, XXXX kept trying to pressure me into signing a contract with his company and now i receive constant phone calls and emails. I have contacted him directly this morning and told him i was not interested and to lose my contact information and do not contact me. 

They are predatory and aggressive. Seems like a good scam company they are running. 

The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX These predatory business practices should be Illegal.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed XXXX unauthorized Inquiries.
Product: Checking or savings account

In XX/XX/XXXX, Ally had a 1 % cash bonus offer to its savings account holders, up to {$500.00} maximum amount. The terms were : 1. to enroll by XX/XX/XXXX ; 2. to move new money into the savings account by XX/XX/XXXX ; and 3. to keep the new money in its savings account by XX/XX/XXXX. I satisfied all three terms and even got confirmation emails from Ally, which indicated that I should be expecting to receive my bonus on or around XX/XX/XXXX. When I did not receive my bonus as promised, I contacted Ally about it. At that time, Ally representative created a case, gave me a reference number, and told me that it will take 7-10 business days to review. After 10 business days, I contacted Ally again and was told that it is still under review, no other explanation was given. I asked why it is taking such a long time to review when the terms were pretty simple and straightforward, the representative simply ignored me, repeated that it is still under review, and asked me if there is anything else she could help. I was expecting to hear how Ally is trying to address my concern as fast as they can, but given Ally 's response, I am not sure my issue will ever be resolved.
Product: Vehicle loan or lease

On XX/XX/XXXX my vehicle was gone and i called and they said it was repossessed. I never got any voicemail, no letters or signed anything. I left my XXXX pump in vehicle, wallet, work equipment. XXXX for my XXXX XXXX, air pods, Sun glasses, shoes. Putting my life at risk. 

I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL They are required to provide me with copies and I attached letters below and emailed them and they were to only respond via U.S mail and they sent a eoscar response back in email. And mailed me what they are going to do with the car, which is in violation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

Alpine and the original debtor have been told repeatedly that this debt is NOT mine. It has been removed from other reports except XXXX. I demand Immediate removal or litigation will follow.
Product: Mortgage

I pay extra each month to pay down my loan and had no issue with my previous lender having the extra amount applied to principal. My loan was transferred to Mr Cooper and I have had issues with them in the past. I proactively called in XXXX they were supposed to update my payment hierarchy so any extra payment is applied to principal. Every time I make a payment, they INSTEAD pre-pay the next month 's payment and I have to call and complain and they fix it for that month and promise to fix it going forward but its never fixed. Once again, my payment processed today and it prepaid next month 's payment and DID NOT pay down the principal. I think this is a scam on their part to not let customers pay down principal. I use my bank to make the payment, I don't trust them with my financial info for payment as they've had a data breach and are obviously incompetent. I have called them to complain XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At one point they created a case but it is still not resolved. It's very frustrating, I feel like I should be reimbursed for my time of dealing with their shadiness and incompetence. It XXXX as a consumer that I have no say in who my load is sold too because I would pick anybody but this company. I would love them to fix the issue going forward or even better sell my loan to a more competent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 Navient is reporting that my account was not in deferment. For the entire year of 2019 I was in some form of forbearance or deferment. The report also shows me being 90,120,150, and 180 days late which does not add up. This is on all three credit bureaus.
Product: Checking or savings account

I had a checking account with Chase bank. 
account # : XXXX. 

My account was closed by the bank saying my ssn was flagged I got to know from early warning services company that someone opened an account using my personal info. with XXXX XXXX. 

I have been following up with Chase bank since XXXX XXXX but they arent releasing my money
Product: Credit reporting or other personal consumer reports

The company claims I owe them money. However, I never opened an account with them. Nor have I ever signed anything. They claim I owe them money from a debt. This debt does not belong to me. It is affecting my credit score.
Product: Vehicle loan or lease

I am filing this formal complaint against Mercedes-Benz Financial Services ( MBFS ) for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related federal regulations. These violations have caused significant harm to my financial stability and creditworthiness. 

Details of the Issue The issue concerns an account with MBFS ( Account # XXXX ) associated with my XXXX XXXX XXXX XXXX MBFS is inaccurately reporting the First Date of Delinquency as occurring later than the actual date of XX/XX/XXXX, thereby improperly extending the negative reporting period beyond the allowable seven years under FCRA 605 ( a ) ( 15 U.S.C. 1681c ).

Additionally, MBFS has failed to issue a Form 1099-C for the charged-off balance of {$29000.00}, as required under Internal Revenue Code 6050P.

Violations Identified : 1. -Violation of FCRA 605 ( a ) : Continued reporting of outdated negative information beyond the seven-year limit. 
2. -Violation of FCRA 623 ( a ) ( 1 ) ( A ) : Failure to report accurate and complete information.

3. -Failure to Investigate Disputes : MBFS has failed to correct inaccuracies despite multiple disputes, violating FCRA 611 ( a ) ( 1 ).

4. -Failure to Issue Form 1099-C : Non-compliance with federal tax laws, which require creditors to issue this form for charged-off debts exceeding {$600.00}. 

Actions Taken I have attempted to resolve this matter directly with MBFS on several occasions, including sending certified letters to their corporate office and to the President and CEO, XXXX XXXX. The letters were delivered on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( to CEO XXXX XXXX ) Despite these efforts, MBFS has not corrected the inaccuracies nor responded to most of my certified correspondence. The only response I received was to the letter sent to their CEO on XX/XX/XXXX, and that response failed to address the primary issues, including the reporting of the First Date of Delinquency. 

Request for Assistance I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate MBFSs actions and enforce compliance with federal law. Their continued inaccuracies, failure to resolve disputes, and neglect in responding to consumer requests demonstrate a disregard for consumer protection laws. XXXXegulatory intervention is essential to prevent further harm to myself and other consumers who may be experiencing similar issues.

Thank you for your attention to this matter. I am including all supporting documentation, including copies of my correspondence, credit reports, and MBFSs response, upon request. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my XXXX report, and following a thorough investigation, XXXX has completely XXXX this unverifiable debt from my report as of XX/XX/year> from XXXX. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I questioned there method of verification and they said they dont have to conduct an investigation