23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX, in the amount of {$1700.00} ( {$170.00} additional ) I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX in the amount of {$1900.00} ( {$370.00} additional ), that payment noted as " additional funds received '' XX/XX/XXXX, my CitiMortgage history notes my XX/XX/XXXX payment not being made and a late charge of $ XXXXposted to my account history. 
This is not the first time my CitiMortgage account has had payment posting errors. Please contact CitiMortgage demanding that they correct my mortgage payment history to reflect the XX/XX/XXXX payment being made on XX/XX/XXXX, the {$69.00} late charge posted on XX/XX/XXXX removed, my CitiMortgage account history noted as current, paid in full as agreed, and a letter of apology from CitiMortgage to me.
Product: Mortgage

Since XXXX i have requested and twice in XXXX I have started a billing error stating that it appears to be a issue with the balance. All three times I've been denied. 

It is also understood when a billing error is started. 

The company must stop all foreclosures procedures.

The company PHH is not in compliance with the Truth and leaning act and are being deceptive or unfair business practices.

I demand compliance and fines as applicable for their violation.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to several multi-layered scam operations run by XXXXXXXX XXXX using the domain name XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Payday loan, title loan, or personal loan

I was given a loan for {$22000.00} to finance a XXXX XXXX XXXX XXXX XXXX. I paid {$27000.00} down on the vehicle so my payments were not as high. Unfortunately I was involved in an accident on XXXX XXXX XXXX and my vehicle was deemed totaled. I was covered fully by XXXX XXXX XXXX and they then took over the case. It Has now been 4 months since this accident has occurred and I have not gotten a vehicle to drive, I Was offered a settlement but money was being subtracted that was not negotiated in the very beginning. XXXX XXXX then told me that I was financed XXXX when on the contract it clearly states that I was financed XXXX and I only had the vehicle for 3 months and since they took long to figure anything out I now have late bills with late fees of over XXXX and they are saying I owe them this ridiculous amount of money. 


























































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Product: Debt collection

XXXX XXXX contacted me about a debt that I owed and was paid directly to Symphony bank. The name of the credit card is XXXX XXXX. XXXX has been harassing me, threatening to ruin my credit and livelihood and said they did not care about medical condition. I contracted the XXXX XXXX and need a better living situation fir me and my daughter. It is an extreme hardship : having the XXXX XXXX, battling other XXXX XXXX and being unemployed and XXXX. Because of this my credit score decreased and I have wait to get a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 US SM BUS ADMIN ODA XXXX XXXX XXXX
Product: Checking or savings account

My daughter created a cash app account as a teenager with me as a sponsor. My daughter is now XXXX XXXX XXXX. In XX/XX/XXXX she closed the cash app account because it was still recognizing her as a minor and there were restrictions associated with a minor account. While the account was open she purchased tickets to a concert through XXXX. Unfortunately the concert was canceled and ticket master refunded the funds back to the original payment method which was to her now closed cash app account. The refund took place XX/XX/XXXX. When my daughter reached out to cash app in XXXX to remedy the matter she was told that only the account sponsor could make decisions on the account. I contacted cash app with my daughter present on multiple occasions and have been advised by customer services and through email that they can not release the funds to me because the account is closed. I asked them to return the funds to XXXX so they can redistribute the refund in a different manner and they have refused. I asked cash app to send me a check for the balance and they stated they can not do that. They have also refused to re-open the account to gain access to the funds. The total amount is {$620.00}. 
I have tried all that I can think about to get the money returned to no avail. I believe at this point it is criminal for this company to hold money that does not belong to them. I requested the policy on how long they can hold funds on a closed account and was denied this information as well. Please help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an email about getting a mortgage hard inquiry on my credit report that I did not authorize. This was done through Credco. I bought my home XXXX  years ago so I am not sure why this is being done again XXXX years later. This is impacting my credit score and I did not authorize this. Not quite sure how they even have my information. Could this be fraud?
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXX XXXX - XX/XX/2024 The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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 or other personal consumer reports

On XX/XX/year> I sent a request to XXXX XXXX, XXXX, and Equifax advising them that I wish to Opt-Out per 15 USC 6802b , 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ) on the accounts listed below and no one has responded to me as of today. 

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
Product: Vehicle loan or lease

My car was stolen. The police won't except my claim so I can't show proof of claim. Also the car was only XXXX put XXXX down and now they are asking XXXX to XXXX they are scamming because I had a XXXX XXXX  the XXXX XXXX the engine blew on the drive home from the dealer ship. so basically I'm being charge inaccurately. XXXX dealership in XXXX XXXX, IL has the records. The car was purchase in XXXX, IL XXXX XXXX. XXXX is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports and protects the accuracy, fairness, and privacy of personal information 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.
Product: Debt collection

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The accounts shown above are duplicates collection accounts. Multiple collection accounts for one assumed debt is an illegal reporting practice.

2. The accounts shown above have different balance owed amounts, which clearly proves inaccuracies in XXXX XXXX XXXX illegal reporting practices. 
XXXX. The accounts reported above are not my debit, and I have no knowledge of them. 
XXXX. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves XXXX, XXXX illegal reporting practices. 
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report.

Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell
Product: Mortgage

PNC Bank failed to make the annual payment for homeowner 's insurance, despite proper funds in my escrow account and all payments being current. The insurer cancelled the policy due to the bank 's non-payment. I was never informed of this until 90 days had passed and PNC placed forced coverage insurance on my mortgage. I have acquired new homeowner 's insurance. Because I am deemed high-risk due to PNC 's non-payment, my insurance premium rose significantly.
Product: Money transfer, virtual currency, or money service

I was informed by my daughters XXXX school that a tuition balance of {$9700.00} was due for XXXX XXXX. XXXX XXXX XXXX XXXX based in XXXX. XXXX. Tel.  XXXX XXXX. I inquired to the bank wiring directions from the financial advisor. I received from his email account around XX/XX/2020 from XXXX with specific bank information : Chase Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX account : XXXX routing : XXXX I wired the money on XX/XX/2020. 

XXXX of XX/XX/2020 he inquired why I had not sent the tuition. I furnished the details and at that time we realized I had the incorrect banking information. He mentioned his email was hacked and I should work with my bank to recover. Since then the following actions taken : 1. informed my bank ( XXXX XXXX XXXX ). They have tried on 3 occasions to reverse the wire to no avail. Chase will not release the funds back. XXXX claims no liability since I furnished the information and they are not willing to work with Chase on investigation. 
2. Chase fraud department contacted but will not work with me on the topic since I am not their customer. 
3. Filed FTC complaint - pending Concerning to me that a US based bank can be used for nefarious activity and a US citizen who was defrauded has no recourse via the banks. The banks seem disinterested in investigating. I am concerned that others may be similarly defrauded. 

More details and emails and other materials available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, XXXX XXXX XXXX processed an order to purchase a mobile phone because someone fraudulently used my SS # and DOB. We reported the problem when we received a statement. No problem, they took care of the issue and I filed all the necessary alert, notifications, even the .gov site where you report identify theft. This week, while attempting to access my Experian site, I requested that they send me my user name which I had forgotten. When they replied back that the user name had been sent to my email address, the email address was not mine. I've attached a screen print. I do not recognize this partial email address at all. I have attempted to call Experian to alert them that they have the wrong email address for me. It is IMPOSSIBLE to reach Experian by phone AND reach an actual person. I've tried at least 5 different numbers that all lead me through the same progression but never to an actual person. I have entered my SS # and zip code multiple times but it never results in making progress. It is unconscionable that they can not be reached to clear up this fraudulent use of my information. Thankfully, I have a credit freeze on all my accounts. However, this issue needs fixing. I did not choose to do business with Experian. It should be possible to reach them or even email them. Currently, it is not. Please fix this and clearly, consumers are not able to do anything but appeal to a regulator. Thanks.
Product: Debt collection

Sunrise credit services XXXX ( XXXX ) XXXX Put an old XXXX bill on my credit report today that was from XXXX It was listed in my bankruptcy with XXXX  and was discharged. They have no legal right to this debt nor the right to put on my credit and drop my score.
Product: Credit reporting or other personal consumer reports

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

Please remove immediately the following accounts : XXXX XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

Ohio XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Ohio XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Ohio XXXX XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Ohio XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX. XXXX, XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX crdt XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

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

I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : TransUnion : 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: Debt collection

XXXX XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account XXXX XXXXXXXX To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor.

2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt.

3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 
Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 
Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 
Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim. 
If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are several account on my credit report opened by fraud. Ive tried disputing a numerous of time but theyve came back as verified due to being tied to fraudulent address thats tied to them. The credit bureau displays an utter lack of professionalism and their id number thats tied to the address means it verified as your account is wrong, and it only perfects the company whom reporting not the people!
Product: Checking or savings account

On XX/XX/2019, I received a notice from JP Morgan Chase Bank, N.A that checking account that was opened in my name was being blocked due to not providing information that the Bank requested. On the same day, I received a Chase Debit card also in my name for this account, card number : XXXX. I did not open this checking and contacted Chase Bank 's fraud department. I informed the Bank that the account was fraudulently opened in my name and asked that it be closed immediately. I also requested details of how, where, and when the account was opened in my name. The individual that I spoke with refused to provide me with any information regarding the account unless I provided her with my Social Security number. I refused to do this, as I am uncertain what information the Bank has. I requested a supervisor, who also refused to work with me to resolve this issue. I then filed a report with Identitytheft.gov and sent a form letter that was provided to JP Morgan Chase Bank, N.A on XX/XX/2019. Todate, I have not received any reply from JP Morgan Chase Bank, N.A. My concern is that a checking account was fraudulently opened in my name and Chase has been unresponsive to my inquiries or letter.Because of this fraudulent checking account, I have been forced to place a " Fraud Alert '' in my name with all of the credit reporting agencies. This has resulted in difficulty in opening new credit accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/2025 and XX/XX/XXXX  My extended fraud alert is missing my phone number. It wont allow me to update online using my account. I can not proceed with a specific credit application without my phone number showing on the alert. AI phone system refuses to route me to a person to resolve. Called multiple times. Uploaded information XX/XX/XXXX  but the only option is to remove the alert - not to make an update or correction to the alert. Called all the numbers I could find, same result. AI chat, same result as AI Phone. I can not get the service I need because the system doesnt give the option, can not submit online self-service, can not get a live agent on the phone. Extremely frustrated, blocking me from getting the help I need this weekend because of elimination of human being, critical thinking support. This is a credit bureau and to not provide a way to resolve something related to a fraud alert with a human being using the contact information and instructions they provide is unacceptable and scary.
Product: Money transfer, virtual currency, or money service

Was charged for accounta and XXXX  that wasnt mines.