23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I sent Citi bank 3 checks totaling {$430.00}, 2 cut up credit cards and a letter to close my mastercard account ending in XXXX on XXXX. They cashed all 3 checks and closed my account and then lost my payments some place in there system. All 3 checks have cleared check # XXXX drawn on XXXX for {$100.00}, check number XXXX drawn on XXXX XXXX XXXX for {$200.00} and check number XXXX for {$130.00} drawn on XXXX XXXX. All three checks cleared my banks on XXXX. Now they want me to dig up copies of these cleared checks and send them to them because they screwed up and can not locate my cleared checks. They want me to do hours of work going to each bank and requesting copies of the cleared checks. You should note I do not do any online banking for security reasons. They are not offering to compensate me for my time, yet they charge me when ever i make a mistake and send them a late payment. I bill my time at {$350.00} per hour and this will take at least 2 hours to to get them what they are requesting plus i have to pay each bank for the two copies of each check as they want front and back of each check
Product: Checking or savings account

The irs notified me that i would be getting a refund check on XX/XX/XXXX i called andverify with the XXXX tha the funds have been sent byt the XXXX to the bank we verified everything was correct the back is saying they never recieved the funds. keep getting people just repeatng that it take up to XXXX hours to post the funds but the deposit date was XX/XX/XXXX it is now XX/XX/XXXX. please help
Product: Credit card

Since XX/XX/2023 I was trying to pay my credit card account but it wasnt possible because I didnt know that I have to update the app and I only received Sorry, try later, but now TD Bank charged me with a fee of {$29.00} which is unfair. I tried to communicate with them but they make the process difficult so that it is not possible to do it. Its a nightmare.
Product: Debt collection

I asked for an up-to-date accounting of payments. My first attempt was ignored. The second and third attempt received a response threatening to demand full payment immediately, because the payment ( s ) were late. It seems that the payments go to one department and questions about payments are sent to a different department. Neither of which coordinates with the other.
Product: Debt collection

I respectfully ask for your cooperation in deleting the late payments that were noted from my account history. I cherish my good connection with the Creditors and pledge to make sure that future payments are made on time and with more consistency. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative XXXX 
XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 
I am aware that the business has late payment procedures in place, and I genuinely appreciate your compassion and understanding in this regard. Please walk me through the appropriate procedures if there is a formal process to follow or if any further information is needed.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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: Mortgage

On XXXX XXXX XXXX I closed on a new construction home. On the HUD statement I received a tax credit from the home builder for the months in XXXX I did not live in the home. I paid the full XXXX tax bill to XXXX XXXX on unimproved taxes. In XXXX XXXX XXXX billed me on unimproved taxes again which I paid. Early this year in XXXX XXXX XXXX sent me an amended XXXX bill based on improvement to the property that happened prior to XXXX XXXX XXXX. This was a non delinquent tax bill and had a due date of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Bank of America paid the tax bill and forced an escrow account on me and increased my payment 100 %, from {$3500.00} to {$7000.00} a month. The reason Bank of america forced this on me was due to delinquent taxes for XXXX. I called Bank of America up and advised them the the taxes are not delinquent per talking to XXXX XXXX and they needed to refund me the addition money they took from me for the taxes and to remove the escrow account. Note XXXX/XXXX/XXXX & XXXX/XXXX/XXXX I made the increased payments. Additionally the XXXX tax bill is out and Bank of America paid this bill as it is n't delinquent. My complaint is that Bank of America has illegally auto draft these additional monies from my checking account and holding them in their escrow account which is earning interest on the escrow monies they hold. BOA paid a bill that they should have not paid. This is a violation against the Deed of Trust as it states that this can only be forced if delinquent. I want my escrow account removed and I can either settle the bill with the taxing authority or Bank of America. This is a servicing violation on the servicing regulation rules set by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unauthorized credit pull from XXXX XXXX that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with XXXX XXXX, Chase and XXXX XXXX was pulled fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX/2022 this issued was removed from my credit by XXXX XXXX the remarks were removed after a dispute was filed with Equifax .After calling to discuss a account that was fraudulently being connected to my SS #. The old remarks were once again attacking my score and causing it to drop 31 points. I find this very alarming to think that they could falsely attack a persons credit score by using such tactic. The address they have are wrong and don't match with the dates of residents.
Product: Debt collection

Financial Corporation Of America is trying to collect a debt that is not mine XXXX XXXX Hospital keeps sending these Frivolous charges to collection company to collection company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I never authorized, used, or benefited from these accounts or transactions in any way. I am writing to dispute the following items on my credit report.
Product: Debt or credit management

Hi There, I was reaching out in regards to a collection posted on my credit report. Even though this accounts were posted wrongly & inaccurately. I paid the full amount to the collector. So, it can be removed from report while am having a legal team do their investigation why this happened. 

After I paid the full amount, the collector agreed to send a letter / notification to all XXXX credit agencies. Inducting, the account is fully paid and this report trace to be deleted of - off my credit report.

However Experian is not updating this information. Currently Im not able to login to my account. And no luck on connecting to their customer support either.

Since Im unable to reach out to them or connect to their customer support team. I was wondering if you can help me, and tjis to be updated. 

Also Experian seem to report there is no address verification for me. I found out this when I applied for a home & trying to finance goods. 

Currently am not able to get a home approved. Or any financing.. this is causing a lots of problems for me and my family. I hope to get your help and resolve this quickly. I appreciate your time. Thank you. 


Creditor - information XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX MONDAY-FRIDAY XXXX TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I settled my accounts with XXXX XXXX XXXX  ( citi cards and XXXX CBNA ) I paided them in full with Interest..Interest they agreed too XXXX to XXXX in Interest and they still after XXXX yrs will not remove it from my credit report as a matter of fact they added something with no explanation to my report from XXXX and XXXX with no explanation I want there's things removed and removed now I hired a law firm to help me with not much results so I'm appealing to your organization to help me this is unacceptable it's been way too long for them taking advantage of me theses banks agreed to repayment amounts and after XXXX yrs they won't remove the Laws need to change for the consumer not the banks
Product: Consumer Loan

I took a loan with Care Credit at my dentist 's office for paying for an expensive 18 month treatment. I was told the loan was interest free. Now I am paying interest each month. My balance of nearly {$1000.00} does not go down very much. Making payments on time is difficult. I ca n't get a history of my account or what I agreed to.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I did not open this credit card so the company closed it and said they would pay us {$280.00} that would take 2 to 3 weeks. Well it is past 3 weeks and I still have not received it. Now they are not responding to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax through not protecting my private information caused the leak of my ssn, name, and DOB. I feel this company jeopardized my future and should be shut down.
Product: Mortgage

MIS-APPLICATION OF BORROWERS LOAN PAYMENTS BY XXXX XXXX TO PAY FOR LEGAL FEES-LOAN ACCT. # : XXXX XXXX LOAN ACCOUNT # XXXX SLS LOAN ACCT. # XXXX. 

I wish to request that the amount misapplied by XXXX XXXX wrongly towards legal fees and expenses disbursements contrary to the compliance requirements of the Real Estate Settlement Procedures ( RESPA ) and its implementing regulation, Regulation X. This also constitutes violations of the Consumer financial Protection AcXXXX of XXXX. 
These monies meant for the purpose of principal payments, interest and escrow ( taxes etc. ) payments were not applied accordingly ; rather used to settle legal fees without any disclosure ( s ) to the borrower at any time. 
XXXX XXXX had accepted that only the sums of {$3400.00} and {$3400.00} was applied from the loan accounts for legal fees/costs and foreclosure costs respectively ( see Exhibits XXXX and XXXX attached ). Howbeit, the loan account activity statement provided by XXXX XXXX specifically for years XXXX and XXXX, clearly confirms that {$22000.00} was misapplied for legal fees and disbursements ( see Exhibits A and B attached ). 
The New York State Laws states that not more than {$600.00} should be expended to recover any debts from the borrowers loan account ( See Exhibits C attached ) In XXXX, the borrower requested that the unutilized balances in the borrowers loan account including the excess legal fees be credited and applied to the loan principal account which was then in arrears of two-months in the sum of {$8600.00}, to fulfil the requirements of the XX/XX/XXXX modification agreement with XXXX XXXX XXXX for the forgiveness of the deferred XXXX principal amount of {$140000.00} conditioned on the borrower not being in arrears of 3 months mortgage payments at any time ( Exhibits 4 and 7 attached ) XXXX XXXX did not resolve my concerns nor honor my request; but instead, immediately : 1 ) Cancelled the loan forgiveness of {$140000.00} stating the borrower had violated the terms of the modification agreement and 2 ) Transferred the servicing of the loan to a new servicer, Specialized Loan Servicing ( SLS ).
Product: Debt collection

I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX an account established in my name fraudulently. 

On XX/XX/XXXX I received a notice that my credit dropped by 100 points. It was due to SPS/Select Portfolio Servicing reporting of a mortgage paid late allegedly owed by me. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing, XXXX, XXXX  and XXXX  and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. 

I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA. Upon receiving proof of the item as being fraud it is not to be reported any longer. I provided XXXX  with a second police report that identified SPS/Select Portfolio Servicing as fraud. I also disputed it with again and provided letters of dispute sent to SPS/Select Portfolio Servicing on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. 

I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a cease and desist to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office to CEASE AND DESIST reporting and collections of this fraudulent account as it is defaming and willfully harming me as a consumer.
Product: Money transfer, virtual currency, or money service

Signed up with Venmo and used their services a few times. Someone sent me money and all of a sudden venmo froze my account asking for my ID even though my account was already ID verified. I sent that in and also sent in my bank statement just to show them I'm me. They closed my account with MY {$160.00} IN IT!! Now they say I have to wait 180 days and then I MIGHT GET MY MONEY
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was evicted from an apartment in XX/XX/XXXX due to new onset medical conditions. The debt which at this time is XXXX XXXX XXXX was disputed with all 3 major credit reporting agency 's. XXXX XXXX, XXXX and Experian. i disputed this debt with all 3 agency 's last year and it has been removed from 2 of the 3 agency 's. However, experian shows that there are XXXX accounts with a total debt of {$4200.00} updated on XX/XX/XXXX XXXX i have contacted experian and they continue to lie that there is no debt on my account but the balance persists. Experian has gone as far as prohibiting me from disputing the issue online and no help on the phone. i am looking for help as it is hindering my abillity to purchase a vehicle and building positive credit. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX, I sent {$110.00} USD to a person using the XXXX app ( similar to XXXX ). 

The person I sent it to did not accept the funds. Thus, the transaction was cancelled. 

Despite that, the funds were withdrawn ( debited ) from my Chase Checking account on XX/XX/XXXX. 

On XX/XX/XXXX, I successfully sent the funds ( XXXX ) ( settled in my bank account on XX/XX/XXXX ). 

I contacted Chase in XXXX, and they said XXXX needed to refund me. 

I contacted XXXX, and they gave me a series of unique identifiers to show they they reversed the transaction, and that the cash should have never been taken from my account. You can find these unique identifiers within the attached. 

Chase recommended I file a dispute. As such, I did so on XX/XX/XXXX. 

On XX/XX/XXXX, I was notified that my dispute was denied. 

I called chase, stating XXXX recently provided a letter ( on company letterhead ) detailing the unique identifiers that show the transaction was reversed, and I should get my cash back. 

Chase told me that I needed to fax in the document. I did so on XX/XX/XXXX. 

I called chase numerous times, including ( but not limited to ) XX/XX/XXXX. On XX/XX/XXXX, they confirmed they received the documentation I submitted. They advised me that I would receive an email and a text after the faxed documents had been reviewed. This can be substantiated through the recordings chase has of our numerous phone conversations prior to XX/XX/XXXX. 

Today ( XX/XX/XXXX ), I called XXXX  to check on the status of the dispute. Both times, agents advised me that the documents I faxed in HAD NOT been received. 

Thus, I am filing a complaint CFPB complaint, as Chase is giving me conflicting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters of dispute advising of unauthorized inquiries on my credit report. I have a fraud alert in place and none of the below inquiries were authorized by me and none are attached to any open account. I'm tired of sending information to dispute and wasting my time. If these aren't removed, my step will be the Federal Trade Commission and XXXX  XXXX  XXXX  These inquiries should be immediately deleted from my file : XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

When I bought the car from the dealer, they gave me {$2000.00} for a trade-in. And, I sign the title over to them. But, the terms of the loan were such that they gave me an interest rate as if I had put down {$0.00}. But, I did not put down {$0.00}, I put down {$2000.00} based on the trade-in. 

I only noticed this as I was going over the terms of the loan extremely carefully. But, by that time it was already signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Capital One [ XXXX XXXX XXXX, ] [ XXXX XXXX XXXX, UT, XXXX ] To Whom It May Concern : I am writing to dispute the following unauthorized account on my credit report : * Account Number : [ XXXX ] * Account Name : [ CAPITAL ONE * ] * Date Opened : [ XX/XX/XXXX * * ] * Balance : [ {$1400.00} ] I have never opened this account with Capital One. I do not have any account with Capital One. I did not give my written consent to open this account. 
I have attached a copy of my credit report with the disputed account highlighted. I have also attached a copy of my identity verification documents, such as my driver 's license or passport. 
I would appreciate it if you would investigate this matter and remove the unauthorized account from my credit report. I am requesting that this be done within 30 days of the date of this letter. 
i made a complaint got no repsonse within 30 days, this is my complaint with the Consumer Financial Protection Bureau ( CFPB ).
Product: Debt collection

I am a XXXX XXXX XXXX female, on social security. In XXXX XXXX, I purchased a XXXX B/R house in the city of XXXX, OH, with my husband, who is suffering from XXXX. Over the course of XXXX years, I and my husband paid close to {$250000.00} in monthly installments of {$980.00} a month for a house for which the price was {$92000.00} ( See {$160000.00} the interest we paid to the lender XXXX XXXXl ) On XX/XX/XXXX, Me, my husband and son were kicked out of our house. We were paid {$3000.00} for everything we owned in the house. It was worth around {$75000.00} ) At that instant, at XXXX XXXX, on XX/XX/XXXX, we became homeless! 
With my Social security monthly income of {$310.00} and my husband 's monthly retirement of {$800.00} we were not able to afford to rent any apartment anywhere in Ohio. 
We lived in our XXXX car for 4 months, until after XXXX of that year, by sheer luck we qualified for one B/R unit in a XXXX  dwelling. 
My husband still cries when he is alone. All our life 's hard work and financial savings etc came to naught. 
I WANT JUSTICE. 
FROM THE CORRUPT FINANCIAL INSTITUTION WHO HOODWINKED US BY CHANGING THE TERMS OF OUR MORTGAGE FOR THE WORSE AND WIPING AWAY XXXX  YEARS OF PAYMENTS WITH THEIR CROOKED ACCOUNTING. We were asked to start afresh to pay the whole mortgage of {$92000.00} starting XX/XX/XXXX. 
This should not be the Great America I know, where Law and order are supposed to look out for the ordinary citizens.

All we want is to have our own dwelling, fully paid for, as we have paid about XXXX times the price of the house already! 
We do not want any money. 
A simple, small, ordinary house fully paid for, where my son and we can FEEL SAFE! 
Can some powerful Bureau/Organization help us?