23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2023 my partner and I did the closing at law office of XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX they only gave me the closing disclosure they told me documents will arrive in my mail box fron Lender CMG Mortgage home loans located at XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, since XX/XX/XXXX I been calling customer services form CMG and they tell me my loan doesn't exist and it is supposed to be on sistem it's almost time to make my first payment and I have no documents only the disclosure and a copy of the deed in the disclosure there is no information how or where I have to make my payments I am afraid there is something wrong with the mortgage Lender since I am a first time home owner I even call XXXX XXXX XXXX who was our lender officer at Cmg home loans and she say the same documents shuld be sent to your new home.
Product: Credit card or prepaid card

I recently received a copy of my XXXX, XXXX or XXXX credit report, and I noticed some late payments posted on my credit report Discover Bank XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports. The LAW CLEARLY STATES : ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Reverse the above late payments from my consumer report, this agency is in violation of 15 USC section 1681 Failure to respond satisfactory with reversing of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance 616 Civil liability for willful noncompliance [ 15 USC S1681n ] Best Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went into my local TD Bank branch to send a wire money transfer to XXXX. The amount was approximately {$50000.00} us. I was told by the representative there that it usually takes three to four business days to get the money on the other end. On XX/XX/XXXX, as the money has not arrived to the destination yet I communicated with the destination bank and found out that the XXXX code that I provided was wrong. On XX/XX/XXXX I provided the correct XXXX code to TD and they said they can include that in the wire transfer to have it sent to the proper destination. Since XX/XX/XXXX I have had multiple communications with TD Bank with no explanation of why the money has not arrived at the destination until now, today is XX/XX/XXXX. The explanation that I get from TD is the intermediary bank, which TD Bank uses, has the money and they have been trying to reach them with no answer. It is very concerning to me the TD chooses to use an intermediary bank and send their clients money to and they have no way of communicating with that bank or tracing their clients money. Until this point I have no answer from TD as to where my money is. This money is used to pay a loan to my corporation in XXXX and should have been there by XX/XX/XXXX. I acknowledge that I provided the wrong Swift codes, but at the very worst case scenario if the time I was quoted earlier of 3 to 4 business days was when you have the correct information, having the wrong information and correcting it should not should not take more than double the time. It's now about 20 business days and I have no idea where the money is. The destination Bank in XXXX, XXXX XXXX XXXX XXXX does not require an intermediary bank. Unfortunately TD is blaming the intermediary bank and completely not taking ownership of their selection of that bank. At some point during the process the intermediary Bank asked for extra information which works provided immediately including my residency status, citizenship and place of birth. I find it very puzzling that a bank is asking about my place of birth for the sake of sending a wire transfer, it sounds like XXXX profiling to me. All the above information can be corroborated with the chain of emails that I had with TD Bank. I also find it concerning that TD never mentioned that they use an intermediary bank. It's worth noting that last year I sent a wire transfer using TD Bank to XXXX to a different to a different bank account using all the correct information yet that wire transfer was also delayed and I was not given a good reason.
Product: Credit reporting or other personal consumer reports

Having problems with all these second and third party consumer reporting companies selling my data to the three major credit bureaus without my consent, also I have been trying to opt out/freeze my data with these companies since XXXX XX/XX/2018 to XXXX, but nothing have been resolve and my credit with the three major credit bureaus have been incorrect since! XXXX XX/XX/2018 to XXXX, I will have a list of these consumer reporting companies on the second part of my complaint!
Product: Credit card or prepaid card

a fraudulent account was opened with XXXX XXXX on XX/XX/2021 without my knowledge or consent. This is a fraudulent account and I have filed the appropriate documents to have this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to unlock my Equifax account. No problems whatsoever with either XXXX or XXXX. My Equifax account is locked and the call center employees have been unable to resolve the issue. First issue was a bit of a language barrier issue as the call center employee did not have a strong grasp of American based english. More important issue is that after faxing my highly sensitive and personal information as directed and told to wait up to 2 weeks for a response, nothing has happened. I am trying to get a mortgage and the freeze has made me unable to access a mortgage. The wait is outrageous and I need help simply getting access to my account. I can not afford another blind fax and waiting 2 weeks. Who faxes things anymore anyway? Just outrageously poor customer service.
Product: Credit card or prepaid card

I am receiving a Six Month Fixed Rate of 8.99 % and then it goes back to Prime + 16.74 % ... I do have a excellent credit score of XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting false statement to my credit report damaging my credit. We both agree to settlement agreement on the on paid balance of {$540.00}. the settlement agreement was for {$270.00} leaving me unresponsible for the difference of {$270.00}. 

XXXX XXXX is reporting they took a full write off of {$540.00} on to my credit report. 

I sent this documentation to XXXX, and they still reported the way XXXX XXXX it to be on my credit report.
Product: Credit card

On XX/XX/2023 Citibank sent a letter advising they would be reducing the credit limit due to non-usage of the account unless I called within 30 days to confirm that I still wanted that credit limit. I called on XX/XX/2023, well within the 30 day time limit and asked to retain the limit. The first customer service rep sent through a request to increase ( pulling a credit report without understanding ) and increased the line partially but not the full amount. I immediately questioned this as it was not what was stated in the letter they had sent, and after being bounced around to several different customer service reps, was finally told that the limit would be reinstated to the original amount of {$31000.00}. I was also told that as compensation for my trouble and as an incentive to use the card the interest rate on new purchases would be reduced to 3.99 %. We did not have an occasion to use the card until XXXX, and when we received the statement found that they had not reinstated the limit as they had promised, and again said I could request an increase however did not advise me that would essentially be a credit request and include a credit pull. The chat function on their website is only good for standard requests, and they have no formal of documenting a complaint. Customer service just said submitting a new credit request is my only option.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have received correspondence from this company both by mail and by phone call. They claim too be collecting for capital one for a credit account opened XX/XX/XXXX and last paid XX/XX/XXXX. I told them I have no recollection of that account and even if I did, that was over 14 years ago and I 'm sure the statute of limitations has expired twice in which to collect on said account. I have asked them on the phone to cease and desist and I have returned their collection letter asking them to cease and desist. I was told today by XXXX that the only way they cease and desist is if I were to go into there office personally and sign a cease and desist form.
Product: Debt collection

I was contacted by The CBE Group, Inc - attempting to collect a debt from online seller XXXX for a debt I am not aware of - nor do I owe.
Product: Debt collection

I have disputed the debt they are trying to collect. I sent them notice and they admit they received it. But they keep calling telling me I have to produce receipts.
Product: Student loan

I have reached out several times with people who has been calling me about my student loans. I'm unable to get help. I've been told they mailed out paperwork to help me! But I've never received the paperwork. This was months ago and supposedly it has been mailed several times, still not receiving paperwork. I'm unemployed and have no income. I can't seem to get help with payments or any type of adjustment or help. They just want a payment that I don't have. They even asked me if I have a family member who can give me the money. Really! This is not my family 's fault or problem. They state that I need a payment to catch the account up than they can find a program that fits my needs. I'm lost here and Don't know what to do. I guess if I can't make a payment than I can't get any help!
Product: Debt collection

Disputed and Requested information from credit bureaus ( XXXX, XXXX, XXXX ) to verify debt from a company. Requested removal until debt could be verified. Dispute was claimed accurate with no documentation or verification give to me. I only received a single notification that it was completed with no proof of accuracy, to me, the consumer. 
Debt was to a Jefferson Capital Services for a little over $ XXXX. They are false reporting and damaging my credit and name. I never had, nor have any knowledge, of an account or owing money to Jefferson Capital Systems.
Product: Mortgage

Round point Mortage servicing corporation has been charging me a late fee each month when it pasts the XXXX of the month. My mortage is due on the XXXX, I actually called them and asked them to change the date they said they couldn't When XXXX came around the XXXX dropped to {$1000.00} a month from {$1000.00}. I have always sent them more then {$1000.00} a month since XX/XX/2019, Round point has been getting XXXX yet they dont show that they are applying the difference that is {$26.00} difference each month They do not show what or where as the extra money gone to. I have been giving them this amount to catch up on the late payment. yet it never gets applied WHY?????? The last statement show them charging me a late fee but never shows where the difference has been applied to or why its not on the statement it self. below is a copy of their statement from XXXX of 2019. One month they took off XXXX cents and another they took off XXXX cents. I want to know who is pocketing the additional {$26.00} each month since XXXX. Also I have reach the 78 percent mark on the PMI They were going to take it off in XXXX of 2019 then it was XXXX of 2019 and now they say its XX/XX/2019 I have been getting nothing but the run around with excuses of why they havent removed it. The law states that they must remove it when it reaches XXXX percent. Each month all I get is the next month.. I want the {$100.00} since XXXX to be reburised to me since they should of taken it off in XXXX. This mortage company is the worse! I want my rights protected if you cant do it then tell me who i can go too to get this taken care of. 


YOUR ACCOUNT INFORMATION YOUR PAST PAYMENT BREAKDOWN EXPLANATION OF AMOUNT DUE Loan Due Date : XX/XX/2019 Outstanding Principal : {$120000.00} Interest Rate : 4.750 % Prepayment Penalty : No Escrow Balance : - {$260.00} LAST MONTH YTD Principal : {$230.00} {$1800.00} Interest : {$500.00} {$4000.00} Escrow ( Taxes & Insurance ) : {$320.00} {$2600.00} Additional Monthly Amounts : {$0.00} {$0.00} Charges and Fees : {$25.00} {$130.00} Partial Payment ( Unapplied ) * : {$0.00} {$0.00} Total : {$1000.00} {$8700.00} Important Information About Partial Payments Any partial payments that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. 
Important Information about Temporary Loss Mitigation Payment Plans Please note : if you have agreed to a temporary loss mitigation payment plan, your payments are applied to the account according to the terms of the Note, not the terms of the temporary loss mitigation payment plan. 
Principal : {$230.00} Interest : {$500.00} Escrow ( Taxes and Insurance ) : {$320.00} Additional Monthly Amounts** : {$0.00} Regular Monthly Payment : {$1000.00} Unpaid Late Charges : {$340.00} Charges and Fees** : {$0.00} Past Due Payment ( s ) : {$1000.00} Suspense Balance : - {$0.00} Net Total Amount Due : {$2400.00} **See back YOUR TRANSACTION ACTIVITY BETWEEN XX/XX/2019 AND XX/XX/2019 Date Paid Description Principal Interest Escrow Additional Monthly Payment Charges and
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

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

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

To Whom It May Concern : Despite numerous attempts since XX/XX/XXXX - ONGOING, I have been unable to dispute the transaction online, and have been unable to reach a live rep without being placed on hold for more than 2 hours! Enclosed is an image of holding over 48 minutes without a response! 



You have now charged the below transactions back to my account. I am unable to contact the merchant as they are closed. If these charges are not removed, I will be forced to file a claim in Small Claims Court to collect interest, cost, and fees. YOU HAVE 30 DAYS TO RESPOND. 



Im writing to dispute the following debits to my account : XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX
Product: Mortgage

Freedom Mortgage ( LOAN # XXXX ) told me that my escrow was short by {$3700.00} which I paid over the phone. I submitted my XXXX Veterans Property Exemption ( {$120000.00} ) prior to the property taxes being due, which also lowered my monthly mortgage payment. This mortgage company received the corrected tax bill of {$2300.00} and paid the old bill of {$3000.00} ( overpaid by {$700.00} ) because no one verified the bill even though they knew that I had been approved for the tax exemption XXXX XXXX Veteran ). I made the XX/XX/XXXX payment of {$1200.00} and I received letters that my mortgage payment for XX/XX/XXXX was short by {$300.00}, even though I made the full payment and have receipts for a full payment. This company continued to send me delinquency notices and stated in a letter that they turned me into the credit bureaus. After disputing that I did n't owe the additional amount and they discovered that the error was on their part, they send me a letter stating that they would adjust my account. I received another statement today ( XXXX XXXX 2016 ) and my account has not been adjusted. They send me a letter stating that I was in default of my loan. I have done my own research on this company and have found that they have done this same thing to other customers. This company continues to send erroneous collection letters to me and other customers stating that they are behind in their loan payments and that they are in default. I paid {$3700.00} and received an exemption of {$120000.00}, they overpaid my property taxes by {$700.00}, how would I owe anything????? Please make this company correct their error and send updates to my account to me and correct the erroneous credit reporting that they provided to the credit agencies. I have owned my home for 7 years and have never been late. I filed a complaint with the CA Dept of Business Oversight ( complaint # that my payment can now be lowered monthly to {$1300.00}. I was also informed that I would be due a refund of about {$1200.00}. As soon as the assessor made their corrections to the new lower property tax bill, I faxed to your office for your company to make the corrections. Each time I speak to someone in their company, they act like they do n't know what I am talking about. I have send letters and emails to this company demanding that they correct their mistake, it is damaging my credit Please make them refund the additional monies that they sent out to the XXXX Tax Assessors Office so that I may receive my refund. Their mistake has caused me financial hardship, because they made me pay money that I did n't owe.
Product: Credit reporting or other personal consumer reports

EXPERIAN sent me an email stating : ( We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is INACCURATE, INCOMPLETE or CAN NOT BE VERIFIED, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results ) I have attached a copy of inaccurate and incomplete reports for the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. You have already investigated and there are still incomplete entries on these accounts therefore they must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Vehicle loan or lease

I have a auto loan with Credit Acceptance. I'm on auto payments. In XXXX they said the payment wasn't applied. Then it went on my credit report. I'm still making payments as I do.
Product: Debt collection

Debt was settled XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX CONTACT was XXXX XXXX for Fleet Card Services Card this debt was back from XX/XX/XXXX 14years
Product: Debt collection

I had a payday loan with COVINGTON, always on time until I filed for bankruptcy, it was withdrawn I was expecting COVINGTON to resume taking payment instead without any notice they closed the loan and written of this loan as a bad debt and sold it to third party for collection.