23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I refinanced my home with Citibank mortgage company. During the refinance it included for my house taxes to be paid. They are due XXXX and XXXX of each year. It is documented in the closing papers. I realized in XX/XX/XXXX, my taxes was not paid. I reached out the mortgage holder now XXXX XXXX XXXX ( thru Citbank ) and the title company XXXX, XXXX. Thru many phone calls between agencies it was it resulted in finding out that XXXX County government never received the check from XXXX, XXXX. in XX/XX/XXXX. I began calling XXXX many times in which finally I spoke with XXXX XXXX who acknowledged that it was not paid and resent the check to XXXX county government on XX/XX/XXXX. But, at that point there was a late fee. So, XXXX county government only accept monies at the exact amount. XXXX County government sent the check to me on XX/XX/XXXX. I then called XXXX again to explain the situation. XXXX then offered to get the money wired to Citibank on XX/XX/XXXX. I continued to check my account and the money was never issued. I call twice a week every week to XXXX and also spoke several times to a supervisor XXXX XXXX which on XXXX XXXX he stated he sent the money to Citibank again. To date the money is not in my escrow account!
Product: Mortgage

I 've been trying to reach and/or talk to someone at Ocwen Loan Servicing, and I can never get through to anyone. I 've left several voice messages to get my issue resolved and no one is wanting to help me ( no live person to talk, to about my case ), no call backs ( nothing ). In addition, my checks ( that I 've mailed monthly ) have never been received ( by Ocwen Loan Servicing ) although I 'm sending my payments. Ocwen Loan Servicing does n't want to cash my checks. My call goes to a XXXX number in XXXX ( which is a call center, where people are only reading scripts and not able to help ). I 'm about to loose my house and I do n't know what else to do, no one is wanting to help me. I need help and I do n't know what else to do, I want to put a complaint, because no one, wants to take ownership of my situation and no one cares if I loose my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have recently paid off a GM financial lease and purchased at new lease through GM.

during my almost 3 yr year lease with Gm. I never had a late payment and have never had a late payment on my new current lease. 

When I purchased my new lease Gm sent me a bill to pay my last few payment left on my old lease, on my old lease my auto payments were stopped with out my knowledge and my online bill payment account was terminated. Once I received the bill I realized they had terminated my auto pay with out telling me. at that time I called Gm to make a payment to the remaining balance. they took my bank acct info and told me they would pull 4 payments out of acct.each mth. I agreed and hung up. a few mths later I received a late notice On my credit. When I contacted GM they stated they never told me they would auto bill pay each mth and said I was told to call back every mth to make a payment. this is not true and they never told me to call back each mth. they told me the payment would be taken out each mth.. they had no right to cancel my original online payments and then proceed to collect my bank acct. info to deduct payments and then not deduct the payment. when I contacted gm several times I was given the run around after receiving the 30 day late notice. They are stating the the 30 day late was not there error and they will not remove. I asked them for the recording off my originally acct and they stated they would look into it. then I called back and they stated they only keep recordings for 30 days. they also told me I can make payments online and then the next customer rep stated no ability to make payments online. I have now paid the acct off in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is expired and outdated and reached its 7 year time frame on XX/XX/2023. Yet it remains on my credit. Why????? Just because it was sold to another agency or whatever DOES NOT EXCUSE it reaching its 7 year limit nor does it state any where in FCRA laws that you are required to leave it on forever! It's expired, should've been removed in XXXX and it still remains on my credit. See attached.
Product: Credit card or prepaid card

My credit card has a limit of {$5500.00} and I reached that limit on XX/XX/2022. However, Bank of America continued to approve transactions on that card allowing the credit balance to exceed {$8000.00} up until XX/XX/2022 when I called and asked them to stop. When I called to ask, they informed me that I was required to make a phone call in order to opt out of allowing my balance to go past the credit limit. They also told me that the only way to know what I needed to opt out of was for them to mail me a book with those rules. 

The overall problem is Bank of America never informed me that my credit card could spend past the limit and that if I don't want that to happen, I have to verbally inform them and wait up to 30 days.
Product: Credit reporting

disputing this not possible with equifax first -- - their dispute needs a credit report and not able to get at all and the prove my id says i have credit cards and mortgages but really not -- - living on small XXXX check and have no credit cards and the true answer of none of above gets me just to a mail in form supposed to send copies of driver license and other stuff -- this happens every year with them and think they use other peoples reports to prove my id questions since if use my actual report would be no mortgage or credit cards -- yeah XXXX check of XXXX a month and equifax says i have a mortgage -- think equifax blocks free credit reports just to force people help them collect more data they then sell to any XXXX with a stolen credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know who's computer started the problem, but on XX/XX/XXXX, Both the Experian and XXXX credit reporting companys decreased my score XXXX points, without any reason. 

My accounts are all in good or excellent standing, I haven't had any new accounts opened or closed, and all my bills are paid on time. 
None of the 6 reasons apply at all.. 
I called XXXX, and they were very helpful, andcstarted a dispute/investigation.. 

Then i called experian to ask about and dispute it, and they told me they can't tell me why it decreased, the computer does it. 

I told them than their computer made a mistake, and they basically started deflecting responsibility, saying I should contact the lenders.. 

The lenders aren't the problem, again, all my accounts are in good standing, and there has been NO NEW ACTIVITY to warrant a XXXX point decrease in my score. 

I'm in the middle of trying to buy a house through the USDA, and this is the type of stuff that could cause my loan to not be approved.. 

PS Your entry box for the last 4 of my social security number, keep saying my entry of XXXX, is empty. 

So you might wan na fix that, and the last 4 of my ss # for identity is XXXX
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I FAXED OVER FTC IDENTIFY THEFT REPORT TO TD CUSTOMER SERVICE FRAUD DEPEARTMENT ABOUT ACCOUNT TELLING DEM TO CLOSE THE UNAUTHORIZED ACCOUNT THATS REPORTING TO EWS ( EARLY WARNING SERVICES )
Product: Student loan

I received an advertising in the mail regarding a XXXX XXXX XXXX in XX/XX/XXXX. I called the phone number listed on the advertising and after answering a few questions, I was told I needed to enroll in school as quickly as possible. A few days later, I received call advising me that I was pre-approved for {$20000.00} and since I have a son in school that qualifies me for the loan and they could have proceeded without me been matriculated in school. I was also told that I would need a co-signer. I was excited to go back to school. With no knowledge at the time, I immediately called my dad who agreed to co-sign for the loan. The loan was approved and I started school XX/XX/XXXX. In XX/XX/XXXX, my father was diagnosed with XXXX and I fell behind on my loan. I started to receive phone calls regarding past due balances as so was my dad and son. After a bit of research, I realized that what the representative failed to disclose was that my son was actually listed as the student and not me. I was listed as the borrower, my son as a student borrower and my dad as the co-borrower. I notified the lender that was incorrect that my son was not the student and should have never been on the loan, but they ignored me. I tried several times to get this corrected but to no avail. I struggled throughout the years to maintain the loan, but with my dad 's serious health condition it was difficult. In XX/XX/XXXX my dad passed away and I became unemployed. After his passing, I received documents requesting full payment for the loan from my father 's estate. When I questioned the demand for full payment, I was advised that was one of the condition of the loan and this was included in the promissory note. Sadly, I had never receive a promissory note and no one had told me that either. The phone calls continued and both my son and I have been consistently reported to the credit bureau. Recently, I was connected with the Office of Customer Advocate and I was provided with my payment history and an ineligible/fainted copy of signed documents. Along with a few pages of what is supposed to be the promissory note that I should have had. I am in communication with a third party agent who is requesting full payment from my father 's estate and my son and I are receiving several calls daily from the lender.
Product: Mortgage

in XXXX i was pre approved for XXXX. I provided all documents they required.In XXXX they asked for more documents. We were to close on XX/XX/XXXX and I was informed that it was pushed back again.So I decided too look for a new lender and was then informed then informed i did not qualify after that.
Product: Debt collection

Dont know what it is about or where it came from just appeared on my credit as a collection from Jefferson capital systems
Product: Consumer Loan

On XX/XX/2016, I made a car payment via Ally Financial 's website. The payment was to pay my XX/XX/XXXX car note. Though the payment was late, it was NOT 30 days late. The payment was made via the website to assure I would not go over 30 days. Eventhough, I paid the payment via the company 's online website on XX/XX/2016, the payment was due on the XX/XX/2016. Apparently, because XX/XX/2016 was a holiday, Ally did not give me credit for the payment until XX/XX/2016, which is date my bank account was debited, not the day I actually paid the payment. Because of this, my payment was flagged as a late 30 day payment and late fees were assessed. Ally credited my account the day the money was debited, instead of the day the payment was actually made on their website.
Product: Debt collection

Received a notice from RPM that says they are trying to collect a debt I owe. The notice says I have ignored repeated attempts by XXXX to collect the debt. I have never had XXXX, and was never contacted about any debt. I have read numerous complaints against this company online - and a lot of them sound just like mine, even using XXXX as the company that is supposedly owed money. I am afraid to call them since most reports online say they are horrible, and harass and repeatedly call and threaten people, even when the debt is phony. It also appears that their bogus charges can appear on credit reports! I want to avoid any issues, since I do not owe anyone any money.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/2025 XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XXXX/XXXX/2025 XXXX XXXX XX/XX/2025 XXXX XXXX/XXXX/2025 XXXX XXXX/XXXX/2025 XXXX XXXX XXXX XXXXXXXX XXXX/2025 XXXX XXXX XXXX XXXX2025 XXXX XXXX XXXX XXXX2025 XXXX XXXX XXXX XXXX/2025 XXXX XXXX2025 XXXX XXXX XXXX XXXX2025 XXXX XXXX2025
Product: Checking or savings account

I have had my direct deposit sent to my main checking account with capital one for many years and have never had an issue. I usually get my direct deposit in my account midday XXXX  or early morning XXXX. This is currently day XXXX of not seeing my direct deposit deposited into my account, I have had autopay bills continue to process even though I dont have the funds I SHOULD have in my account which is resulting in future late fees and potential credit reporting to the credit bureaus. All capital one has to say for themselves is that this is a technical issue that some are having. I unfortunately dont have time to stay on hold for XXXX hours. Its a coincidence that its also a XXXX weekend!
Product: Debt collection

I was looking at my credit report and noticed my credit score drop a lot and seen that I had two collections on my report that I didn't know about or authorized. One was for XXXX XXXX and one was for a XXXX  account for the amounts of XXXX and XXXX. So I proceeded to contact XXXX and XXXX and the police department and also all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the direction of the Equifax I contacted the companies that made inquiries. The companies do not have record of the inquiries. I demanded by letters that Equifax remove the inquires according to FCRA. No written correspondence reply. I have called repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred.

2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report.

3. I will be requesting the recording of that call that took place XXXX XXXX XXXXXXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.
Product: Payday loan, title loan, personal loan, or advance loan

I called a week ago to ask for a copy of the title in order to get my plates in the state I moved to. Every since then they have called me multiple times stating that my account is not current. Which in fact it is. It has gotten so bad that my employer has said something. Instead of letting me talk to the branch manager they gave me the number to speak with a call center. They did not want to help me with the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts reporting to Transunion which are fraudulent & I'D like them removed from my report. These fraudulent items should be DELETED from my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. They claim they verified the accounts with the company but I'm truly confused about how they can verify a fraudulent account. Im attaching the required XXXX  Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX XXXX enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in XXXX XXXX XXXX XXXX... and I would truly not what to pursue a legal remedy... 

XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Upon further investigation I have found serveral fradulant closed accounts on my credit report which include ... .XXXX XXXX {$590.00}, XXXX {$0.00}, XXXX XXXX  {$0.00}, XXXX  XXXX XXXX {$0.00}, and XXXX XXXX XXXX XXXX  {$0.00}.
Product: Checking or savings account

On XX/XX/XXXX After getting XXXX  lost my debit card and I called Bluebird express to report card lost and get replacement card they said to expect card by XX/XX/XXXX then when I called back they my account was restricted? On XX/XX/XXXX My Va XXXX someone use all of it up I call back and They wasn't accept called check my balance XXXX XXXX gone XX/XX/XXXX same things.I write them and ask they closed my account? They did not I send a cancel Direct Deposit Va it just got process XX/XX/XXXX money was send XX/XX/XXXX I lost 3 Checks XXXX my only source of income.Bluebird is a company of America Express Pre Pay Card ripped me off of 3 checks. 
XXXX XXXX XXXX
Product: Student loan

I have attempted to make extra payments, increase my monthly payments, and/or have attempted to make interest payments while my loans were deferred. Every time I attempted any of these, I was unable to make the payment or increase the payment amount. When reaching out and calling customer service, I experienced heavy wait times and could not get through to any representative. When I would attempt to make extra payments during my repayment period, I was asked if I was making my next months payment early, which I wasn't. I was never able to make extra payment. They always applied it or told me they would apply it to the next months payment. I have never been able to get ahead on my loans with this organization. Increasing my monthly payment was extremely difficult and was hard to find the correct information online in order to do this. When I called for help, I could not reach anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a living human being, a natural person. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 168XXXX. My rights to privacy have been violated, I did not give Equifax permission verbally nor did I give them written permission to display in private or in public, these accounts on my credit report. I need these accounts removed asap. accounts listed below. Thank you. 

XXXX XXXX XXXX, XXXX  ( tXXXX XXXX XXXX XXXX  ) XXXX XXXX Ct XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Mortgage XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance
Product: Credit card or prepaid card

I received my statement on my XXXX XXXX XXXX Mastercard from Barclays for Statement Period XX/XX/18-XX/XX/18 with a balance of {$8000.00}. There was an interest charge for {$110.00} on the statement. I questioned the charge because from my previous Statement Period of XX/XX/18-XX/XX/18 which had a balance of {$8500.00} of which I made payments totalling {$6000.00} leaving a balance of {$2500.00} which I figured be subjected to the interest charge. 

I charged interest on {$8900.00} in the amount of {$110.00}, which I was told is the average of my statement of the year. They told me unless the balance is paid in full each month, you are subjected to interest charges based on the spending average, not the unpaid balance. 

This has to be incorrect or illegal in my opinion and I am looking for guidance on this issue.