23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I stayed overnight at XXXX XXXX located in XXXX Maryland on wednesday, XX/XX/2022. During this day I was charged a total of {$330.00} for the stay with another {$30.00} for an incidental fee. After check out and after the balance was settled with the hotel, a pending transaction of money they were holding from me in the amount of {$420.00} and XXXX cents was held under the explanation that there is a 20 % hold on service industries in the state of Maryland. I had never in the recent past had this experience for any hotel stay that I have completed. Upon realization of this error, I contacted US Bank and XXXX  services more than XXXX times to try and straighten the matter out because once they deducted those fees I had no money left for anything, including the celebration of my daughter 's graduation from high school. I spoke at length with one of the US Bank representatives by the name of XXXX who was very agitated and became emotional when I asked for the return of of my money. In addition, he refused to continue to entertain or discuss the matter stating that he felt angered by how he was being addressed., Another representative who claimed that he was a supervisor repeatedly stated that I had to wait 20 days before my funds would be returned to me. I explained to him that I had not authorized these funds to be withheld and I wanted them to be refunded immediately. On more than five rounds of repeating this statement, he refused to to refund money that were owed to me. I further explain to him that I could not be charged I could not be held to wait 20 days when I had never withdrawn or charged {$420.00} on my card or account. After multiple XXXX hours of debating and arguing about funds that they are holding which belong to me, I exper the explain to representative XXXX that I would file a complaint against the company. To no avail, he did not relent. When I explained to the representative at XXXX XXXX that they needed to settle all charges for my hotel stay, I was informed by the front desk manager that all funds have been settled and that {$30.00} would be returned to me in 7 to 10 business days. To this effect, it it appears that I was charged {$420.00} for services unaware and unknown to me. When I inquired both at the bank and through the hotel, neither of them could explain what the charge was for. I am imploring you to get involved and force them to return my funds. Additionally there was another charge for {$120.00} which was also pending from the same week of charges outstanding for a hotel stay. This has not been the case previously, and I am expecting a full return of my funds.
Product: Mortgage

I am trying to resolve a 30 yr lien that Suntrust acquired through XXXX. I am due to close on the sale of my home tomorrow but will not be happening due to no response from Suntrust. They tell me I am not able to speak to anyone in that dept and when I ask for a manager they hang up on me and I asked to speak to someone in their legal dept I also get hung up on-This should be against the law that a company can keep a lien against your property from XXXX owners ago and refuses to acknowledge and keep me from selling my property.
Product: Debt collection

On XX/XX/2022 I wrote Credit Control Corp 3 letters requesting validation of debt for 4 separate alleged accounts reporting on my credit report. All letters were mailed on XX/XX/2022 and each letter was received by Credit Control Corp on XX/XX/2022. To date, I have not received any correspondence to my request from Credit Control Corp. FDCPA gives collection companies 30 days to respond to this kind of request and requires them to discontinue their credit reporting practices until they " VALIDATED '' the accounts in question. Credit Control Corp has not complied with FDCPA Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from Toyota Financial Services, XXXX XXXX, XXXX XXXX, and XXXX. 

I am highly disappointed that Toyota Financial Services failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. XXXX XXXX XXXX XXXX XXXXr/Claims Resolution Representative, XXXX XXXX , informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. 

Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. 

The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. 

I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

After my bank sent my mortgage to a new servicing company in XX/XX/2021, my escrow account was short money. I complained and they said they found an error. They also raised my payment for escrow when it should have went down due to a reassessment on my property taxes. I provided them this information and they still raised my payment. My escrow account is not managed properly and I believe they are stealing money. I have asked for a statement with all monies paid into the escrow account and all monies paid out of the account to no avail. It has been weeks now. 
I want to know where my money is.I have ALL statements and receipts for all monies paid into, and out of, the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX HAVE SENT NUMEROUS OF LETTER TO ALL THREE BUREAUS WHO REFUSE TO CONDUCT A PROPER INVESTGATION TO THESE NEGATIVE & INNACURATE ACCOUNTS REPORTING ON MY CREDIT. THEY WILL COMPLETE THE INVESTIGATION IN 2-3 DAYS SAYING VERIFIED WITH NO PROOF OF HOW THESE ACCOUNTS WERE VERIFIED. XXXX  HAS SENT ME NUMEROUS OF LETTER INDICATING THAT THEY WILL NO LONGER COMPLETE AN INVESITAGTION BUT WILL REFUSE TO EXPLAIN HOW THEY VERIFIED THESE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} ; XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX around XXXX pm I made a cash deposit to my account in the amount of XXXX my balance was XXXX before the deposit was made and XXXX after the deposit was made. Check XXXX in the amount of XXXX had not been posted to the account yet because if the check posted to the account my balance would have not been XXXX after the XXXX deposit. After the cash deposit was made my direct deposit came in the amount of XXXX around XXXX which brought my account to XXXX. I went to the local atm and withdrawl XXXX which came to XXXX after atm fees. clearly on my receipt it states my avaliable balance is XXXX. I want to know why my account was charged XXXX in overdraft fees for a check that had the funds in the account to clear. When I spoke to Chase they stated their processing time is from XXXX But my cash deposit was made around XXXX so why didnt it post immediately. I need the fee reversed because this is putting a hardship on me and stopping me from paying bills because lost of money. If the check posted to my account before i made the cash deposit then i would n't have had XXXX plus my deposit which came to a balance of XXXX.
Product: Credit card or prepaid card

I use this card for 0 % balance transfers, not purchases. There was already XXXX balance transfer offer in which I was participating, and it expires XXXX XXXX. I then participated in another balance transfer offer which expires XXXX XXXX. Every month I sent in my payment, my assumption was that the payment would automatically be applied to the promotion that ended first, i.e., XXXX XXXX. When I was reviewing my account and noticed that the promotion that expired in XXXX XXXX did n't have the entire payment amount deducted, I contacted Citibank, and a supervisor said it was Citibank 's " policy '' to divide the monthly payment between XXXX or more promotions, and if a payment was sent was over the minimum payment, the difference would be applied to the promotion that ends first. None of this was explained to me at the time I enrolled in the second promo except to say that promotions with the highest interest would be paid first, but both of these promotions are 0 %.
Product: Payday loan, title loan, or personal loan

XXXX XXXXXXXX XXXX XXXX / EXPERIAN Amount Type~ Collection Date Opened XX/XX/XXXX XXXX  Collection Acct- {$1000.00} past due XX/XX/XXXX Balance Updated- XX/XX/XXXX Terms XXXX Months - On record XX/XX/XXXX XXXX DIDN'T DO ANY OF THIS THIS IS FRAUD AND IDENTITY THEFT FOR SURE. HAS BEEN GOING ON FOR YEARS AND I'D LIKE TO BE REIMBURSED FOR EVERYTHING!!! MY CREDIT IS RUINED I CANT DO ANYTHING FOR MYSELF IM REPORTING TO POLICE AS WELL. 

XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX - XX/XX/XXXX They're Taking XXXX Dollars on my XXXX XXXX XXXX and Another Collection Worth XXXX.
Product: Credit reporting

I have a Charge off now listed on my Credit Report as of XXXX by XXXX XXXX XXXX show as account ending XXXX in the amount of XXXX. They show this account was opened in XXXX XXXX with last payment of XXXX XXXX. They have also listed on my credit report under Credit Source of information for both XXXX and Transunion the address of XXXX XXXX XXXX, XXXX Ca XXXX. I do not have any account or outstanding balance ending in account number XXXX nor have I ever lived at XXXX XXXX XXXX in XXXX or put on any application for Credit.
Product: Mortgage

I submitted an initial complaint regarding an escrow account dispute with Fay Servicing on XX/XX/XXXX via the Consumer Financial Protection Bureau. 

Fay Servicing incorrectly charged me {$2500.00} as a property tax payment for XXXX and included this charge in my monthly escrow payment. Fay Servicing made the tax payment on a property that does not belong to me but was charged to my account which resulted in an escrow shortage. I was subsequently charged for the incorrect overage. Despite the error, I have been paying the incorrect mortgage charge in FULL while patiently waiting for Fay Servicing to correct the error and reimburse the overpaid funds.

After several failed attempts at resolving the issue with 3 different account managers at Fay Servicing I filed an initial CFPB complaint. On  XX/XX/XXXX, I received a response from Fay Servicing, regarding my initial complaint in the CFBP portal, admitting to the error and offering a solution to refund my account.

According to their official response, The refund process should take about a week to finalize. It has now been over 80 business days and I have not received any refund, nor any further correspondence from Fay Servicing, despite several email attempts and phone calls to my account manager.

According to FTC guidelines for mortgage disputes, The servicer must send you a written acknowledgment within 20 business days of receiving your inquiry. Then, within 60 business days, the servicer must correct your account or determine that it is accurate. The servicer must send you a written notice of the action it took and why, as well as the name and phone number of someone to contact.
The issue has not been corrected, nor have I been contacted. However, I continue to get phone calls when the mortgage payment is due but no effort to contact me regarding my unresolved dispute. Fay Servicing is highly unprofessional and in violation of several policies and practices regarding dispute resolution and account management.
Product: Consumer Loan

Wells Fargo reported a late status on my account on an account that is already paid in full and has no balance
Product: Money transfer, virtual currency, or money service

Account was frozen with XXXX $ in it for XXXX weeks and I didnt know why. I wasnt able to pay my phone bill on time with I need for my business which cost me to have my phone cut off for XXXX and lose business but when I tried to contact customer support and couldnt find a real number. The robot chat was no help.
Product: Debt collection

Eight years ago I took out a payday loan from Cashcall/XXXX. I paid them back and the matter was closed. However, almost immediately after my husband XXXX ( he is ion the XXXX XXXX XXXX ) in XXXX of 2014, I have been receiving threatening calls from random phone numbers all over the US saying that I am going to be served with papers and my wages are going to be garnished if I do not pay my loan. They also try to get me to pay them what I owe right then and there so I would not get served with the fictitious papers. Of course, I have never been served and my wages are just fine. I know these are all scams so I ignored them. 

The other day I returned a missed call on my cell phone. The area code was XXXX, which is XXXX, New York. I returned the call because my husband just transferred his GI Bill to me and I am trying to use it for XXXX school, so I believed this numbered belonged to the Regional VA office that is in fact, in XXXX. Instead, it was a no-name debt collection office saying that Cashcall has referred my past due account to them because I owe them {$8100.00} on a loan I took out 3 years ago. I did not take out a loan 3 years ago. 

Once more, I was told my wages will be garnished and I 'm having papers filed against me and I will be served. The woman I spoke with told me that they have already attempted to serve me with papers multiple times at my old address, which is my parents ' address, which has never happened. 

Although I am very confident this is a scam, it has n't ceased, and as someone who was once in a poor financial situation, it makes my XXXX every time! I am really at my wits end, and I can not imagine how many other people experience this, and how many other people actually actually pay out of fear. 

These people obviously know that I previously had a loan from Cashcall and now using this information to prey on me. All of their claims are absolute nonsense, but it still makes me extremely nervous. 

The phone number I called was ( XXXX ) XXXX. 

Alos, here is a list of the other phone numbers:XXXXXXXXI do not know how to proceed to stop these scammers from bothering me. It seems to be quite an elaborate operation! Again, although I am pretty confident it is a scam, it is still scary. And for the sake of all the other people who go through this, someone needs to step in and get these people.
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. 


I sent letters to Experian, XXXX, and XXXX as well as use a third part service such as XXXX XXXX to make disputes asking them to verify and comfirm the accuracy of the the following accounts : XXXX XXXX XXXX XXXX and if they couldn't show proof by law have to remove those accounts. However, after sending those letters and disputing with XXXX XXXX I wasn't notfied about the status of my investigation or given any proof that states these accounts are verified and accurate. Therefor these accounts should be removed but that wasnt the case. I also have proof of the inaccuracies with these accounts across all 3 credit bureus. I am also concerned as to why I have seen no changes to my credit report after making several attempt to reach out to diffent credit reporting agencies. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1600.00}, XXXX  XXXX Date XXXX XXXX XX/XX/2017 Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$3600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED {$0.00} XXXX
Product: Debt collection

I do not have a debt from XXXX XXXX XXXX  as i graduated long a go from this university. Abrahamsen Gindin LLC keeps spamming me with mails regarding this debt although I had warned them to not contact me.
Product: Mortgage

NationStar Mortgage Company claims that I missed a payment in XX/XX/XXXX. I called NationStar on XX/XX/XXXX at XXXX and spoke to a lady by the name of XXXX. I asked her to tell me what month and year was this supposed missed payment. She told me it was the XXXX XXXX payment that was not paid. I said if I could prove that it was paid, would I be reimbursed for all the late fees? She assured me that I would be. I have proof of all my payments including the one that they claim was not paid. I mailed the proof to NationStar XX/XX/XXXX. They have never acknowledged that I have provided the proof of payment. Every month they accuse me of being behind in my payment by one month on my mortgage bill. They also add late fees and ask for the missing payment which I do not owe. They are ruining my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information was erroneous. Transunion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The items need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX : {$770000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$390000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$280000.00}
Product: Mortgage

Bank of America is at it again, claiming that I have a past due amount, which is completely false. They received payment on XXXX XXXX, as acknowledged below, which was the last available on-time payment date ( i.e., last date to pay without have to pay a nominal late fee ). I remain convinced that B of A is systematically retaliating against me for keeping you apprised of their unethical business practices. 
Message from Bank of America : '' There has been recent activity to your account. 
A Home Equity Line of Credit payment was received on XXXX/XXXX/2015, in the amount of XXXX. 
Your next payment will be due on XXXX/XXXX/2015. " Despite having received the payment on time, they are showing me as past due, and are no doubt preparing to once again report false information to the credit-reporting agencies. 
Please help stop these shameless and despicable liars. Thank you, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed my identification and utility bill and social security card to equifax on XX/XX/XXXX. I get these alerts from my credit monitoring services please see attached. The fraud department guy I spoke to had updated my address and assured me that it wouldnt change again but I knew it would. He said the mixed files were fixed he saw in the notes. So why am I getting these alerts? I just simply want answers.
Product: Credit card or prepaid card

I have 2 capital 1 cards, as usual I pay them a couple days early, I go to the site every month to make the payments. Then they tell me I did make the whole payment {$20.00} short. 
Now they want {$140.00} Late fee