23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2023, we closed on the purchase of a new-build townhouse with XXXX XXXX XXXX. After just a few months, our mortgage was sold to Planet Home Lending. In XXXX, I received our property tax bill from XXXX XXXX XXXX. The bill was broken into two lines, the first for the land billed for four months and the second for the structure and land billed for eight months. I immediately called Planet Home Lending to see where I needed to forward the bill for payment. After navigating their automated phone system, I was directed to a recorded message stating that if I received a bill from my county for property taxes that no action was needed on my part. It said to rest assured that they would receive everything that they need to process my property tax payment from the county. 
In XXXX, I received a second bill from XXXX XXXX XXXX. The bill showed that Planet Home Lending had paid most, not all ( {$1200.00} of {$1200.00} ), of the amount listed on the first line of the bill. The bill also included a late payment penalty of {$240.00} and interest charges of {$45.00}. My husband called the mortgage company and was told that their accounting department receives the tax bills and tells the tax department how much to pay. They also said that they are not responsible for paying any supplemental taxes. They said that to pay any supplemental taxes out of our escrow account that they would have to receive a verbal authorization. He explained that there are no supplemental taxes, that the bill was broken out into two lines because the home is a new build. They said that they did not know it was a new build and we would be responsible for the penalty and interest. He then called the county to verify that the mortgage company received the same bill that we received and was assure that they did receive the same information. My husband requested that a review of the responsibility for the penalty and interest be conducted by the mortgage company. The review came back as denied. 
The mortgage company never reached out to indicate that they needed to know if we planned to pay any additional taxes ourselves or wanted them to be taken from our escrow account. They were aware that our tax bill should be around {$4000.00} per year yet did not question why the invoice was only for {$1200.00} ( the entire billed amount was {$3700.00} ). I do not feel that we should be responsible for the penalty and interest. Planet Home Lending did not fulfill their obligation to pay our real estate tax bill out of our escrow account and I believe they should be responsible for the late payment penalty and interest. There are sufficient funds to cover the tax payment in our escrow account and if the mortgage company did not understand the bill received, they should have inquired either with us or the county for clarification.
Product: Mortgage

Hello, I have a mortgage with Mr. Cooper. I have payments automatically send via XXXX XXXX XXXX bill pay each month. All payments have been sent and received on time as verified by both my bank and Mr Cooper. 
For an unknown reason, my XXXX payment ( received by Mr Cooper XX/XX/XXXX ) was credited as " additional principal '' instead of my regular monthly payment. This then set off a chain reaction of late payments in which I was never notified at all about. I only became aware of this on XX/XX/XXXX when my XXXX XXXX report notified my of my credit dropping from XXXX to XXXX due to late payments from Nationstar Mortgage ( aka Mr Cooper ) I have since called numerous times, mostly never getting through to a human. On XX/XX/XXXX I spoke to a representative that fully agreed with me and said she would " escalate it '' I sent an email XX/XX/XXXX to the research department and received a response ( attached ) that made no sense and did not address the problem at all. I replied to their response asking to please give an answer to why my payment was randomly applied to " additional principal '' and received yet another reply that does not answer the problem ( attached )
Product: Money transfer, virtual currency, or money service

We set up a square account for our business about 3 weeks ago and provided all necessary information. We used this services for estimates and invoices. An invoice was paid by a customer and Square took 10 days to transfer the funds into our square account. Instead of transferring our balance into our linked checking account, they placed our account under review. After providing further information, they deactivated our account without explanation and are holding our funds for 90 days. I have tried contacting their support teams and have received zero help or answers. No one can tell me why we were under review, let alone why our funds are not being transferred and our account was deactivated. I have attached emails.
Product: Mortgage

Hello My name is XXXX XXXX, I am a XXXX XXXX, and my son XXXX lives with me. XXXX has XXXX. We contacted Citizen 's bank about a mortgage on my home in XXXXXXXX XXXX. It sounded like a good idea but then we realized that if I die, in many years, XXXX could not continue the mortgage payments. XXXX only gets {$1400.00} from his XXXX payments and the mortgage was around {$2400.00} a month. We did get out of the mortgage before it closed, and we moved to XXXX XXXX  where it is cheaper to live. Even after I ended the mortgage, they still charged me {$880.00} in fees. I do not think that is right. I got out of the mortgage because there is no way my son XXXX could keep up the mortgage payments without my income. My late husband and I worked very hard all our lives to provide a home for our son. Citizen 's bank wanted to take advantage on my love for my home. Please look into their banking practices. 

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

I would like to follow up and request for correction of several inaccurate late payments that are currently reported on my credit report. These late payments are affecting my credit score negatively, and I believe they are unjust and need immediate rectification. I have attached copies of my credit reports from XXXX Credit Bureaus to this letter for your reference, which clearly show the inaccuracies I am disputing. I would like to bring to your attention that I have never been late on these accounts, and the late payments reported are erroneous. I have always made my payments on time. Therefore, I am formally requesting that you investigate and correct these inaccuracies promptly. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed items on a credit file. Please help me correct the following late open accounts : DP OF EDUC XXXXBalance : {$19000.00} ; DP OF EDUC XXXXBalance : {$17000.00} ; DP OF EDUC XXXXBalance : {$14000.00} ; DP OF EDUC XXXX****Balance : {$11000.00} ; DP OF EDUC 4945****Balance : {$4100.00} ; DP OF EDUC XXXX****Balance : {$13000.00} ; DP OF EDUC 4945****Balance : {$4200.00} ; DP OF EDUC XXXXBalance : {$4000.00} ; DP OF EDUC XXXXBalance : {$3800.00} ; XXXX XXXX Balance : {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called multiple times and sent in an ftc report to Transunion about the unauthorized inquiries and they told me I had to send in an ftc report which I already have done and its been well over 30 days and no one have reached back to me from the company they stated they started an investigation before the 30 days and Ive received a letter from one of the companys who stated inquiries on my report and theyve said they do not have any information on any active accounts with me nor did they have any history of me trying to obtain any credit or loans with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit I checked my report and notice accounts that I believed it was not mine. I emailed & sent a certified letter to XXXX XXXX disputing the validity of XXXX accounts and requested statements. XXXX XXXX ignored my dispute and did not even investigated the dispute, then they could not even verify my address that's when I came to the conclusion these accounts were fraudulent.
Product: Credit reporting

XXXX XXXX Bank Account ending XXXX is showing past due for XXXX 2015. 
XXXX XXXX Bank Account ending XXXX is showing past due for XXXX and XXXX 2015I have been paying these monthly through XXXX ( XXXX ).
Product: Vehicle loan or lease

I purchased a car from CarMax in XX/XX/2021. I started having issues with the vehicle 's engine in XX/XX/2021. I spent money I did not have to try and get the car repaired but I was advised it was not repairable. I advised CarMax Auto Finance of this and they denied my request to defer my monthly payments until I could figure out what to do. I am a single parent and do not have funds to pay a monthly payment that is stuck at the repair facility or try to find money for a down payment for a new car. I have been alerted that they reported my payment 90days past due which caused my credit score to decrease and now I really can't qualify for financing any where else
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX and XXXX do not update the free credit score/fico score like all my other cards, the only time it get updates is when I call transunion. When I call XXXX XXXX  XXXX or chat with XXXX they said it is up to trans union to update when i call trans union they say banks have to report. I have approx 10 credit cards all paid off and XXXX XXXX XXXXXXXX and XXXXXXXX is the only ones not updating my score. With other credit cards my score is XXXX and XXXX XXXX XXXXXXXX have me at XXXXit stayed at XXXX for a few months when others updated monthly. XXXX finally have me at XXXX and have not updated since XXXX. XXXX XXXX XXXXXXXX denied me home loan because of my credit score several years ago and now they refuse to update my fico score consistently like other credit card companies that also get their reports from Trans Union, so I can get a better interest rate and loan amount/ XXXX  fico score XXXX XXXX credit score XXXX all other credit cards XXXX - XXXX The only reason these to cards changed there score at all is because I was constantly calling them and Transunion , for awhile they both was still reporting XXXX after other cards had me over XXXX. I feel like they do not want to up my score appropriately so I don't have access to home loans. I feel I am being discriminated by these to entities. Yes I am XXXX American.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I obtain a copy of my Equifax credit report Report Confirmation Number XXXX. 

Upon reviewing the report and all the list of accounts there is multiple violation of FCRA. 

- XXXX XXXX XXXX Account is reporting Transfer & Sold but still open on consumer report with a past due balance. 
-XXXX- XXXX XXXX Account is reporting Transfer & Sold but still open on consumer report with a past due balance. 
XXXX BANK XXXX XXXX Account is reporting Transfer & Sold but still open on consumer report with a past due balance. 
- XXXX FINANCE I, XXXX XXXX This account is on my file, I never had a loan with them for any services. I have disputed with them, This firm is a DEBT BUYER, so this leads one to believe that they bought a debt and Equifax illegally place this incorrect information on my consumer credit report. On the information Equifax has the following Date of First XXXX  is XX/XX/XXXX. Then said date the account was open is XX/XX/XXXX. This is a clear violation of FCRA reporting inaccurate information on a consumer file. 

- XXXX XXXX This account is on my file, I never had a loan with them for any services. I have disputed with them. I never had an account with this firm. Equifax illegally place this incorrect information on my consumer credit report. On the information Equifax has the following Date of First XXXX is XX/XX/XXXX. Then said date the account was open is XX/XX/XXXX. This is a clear violation of FCRA reporting inaccurate information on a consumer file. 
- A notice of BANKRUPTCY BEING reported on consumer file. The consumer did not file bankruptcy nor, was this information supplied by the Bankruptcy XXXX in the state of Maryland. The court does not furnish this information to Credit Reporting Agencies. This is another violation of FCRA XXXX. XXXX XXXX XXXX XXXX - Procedure in case of accuracy.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX. Please delete this account ASAP.
Product: Checking or savings account

To Whom it may concern, On XX/XX/year> I wrote a check to an individual to complete a transaction for me. This person had an account. with Citibank. The check was deposited and debited from my account on XX/XX/XXXX, XXXX whatever reason Citibank deemed it suspicious and held the funds. At a later date they closed the account and still kept the funds. Their client tried to have the funds returned to me. On XX/XX/year> I reached out to the Citibank Executive response team concerning this and was informed that they would contact their client. I know that this did happen, but after several attempts to get any information Citibank says they are investigating and the " back room '' is looking into the situation. The back room can not be contacted. This is a bank to bank issue. My financial institution XXXX XXXXXXXX XXXX XXXX ). has responded to all communication from Citibank and I still have no resolution. I really think this is criminal. It has certainly caused much stress and XXXX. I really hope you can help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and I have inquires that I didnt not request on my report Experian 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 XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.remove these accounts from my report because they do not belong to me and was opened while I was in prison fro 10 years im uploading all supporting documents. I just got off the phone with a supervisor name XXXX who was no help and would not help or listen was very rude and did not pull up documents I mailed in multiple times to this agency to show proof these accounts are indeed not mine. 
XXXX XXXX account # XXXX balance {$3700.00} opened XX/XX/XXXX XXXX XXXX account # XXXX balance {$1600.00} opened XX/XX/XXXX XXXX XXXX account # XXXX balance {$22000.00} opened XX/XX/XXXX My name should be spelled as XXXX XXXX and address is XXXX XXXX XXXX XXXX I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
This agency will be sued I have been sending paperwork for months and no resolutions to this problem when all documentation shows proof I did not open this account and I mailed another round of complaints again overnight mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card was sold to XXXXXXXX XXXX XXXX. XXXX XXXX XXXX sold the XXXX XXXX credit card account to XXXX XXXX. It was XXXX XXXX who settled my account with me, comments on my account should be paid and settled account. Paid charge off.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in removing the accounts from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to remove them from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for student loan forgiveness for 4 student loans. All 4 student loans were forgiven and paid in full in XX/XX/2022. Equifax is still reporting that my loans are still with an old servicer ( XXXX ) and that I still have a balance. This is incorrect information. I have letters from XXXX showing that my loans are paid in full. I also have a recent letter from XXXX stating that they have reported the updated information to Equifax, but Equifax refuses to update the status.
Product: Credit card or prepaid card

Please refer to complaint XXXX which was closed but not solved XXXX by American Express will not allow use of deposited funds
Product: Credit reporting or other personal consumer reports

I had an XXXX loan that was paid in full, but there were issues because I was refunded for the item I had used the XXXX loan for. It is showing up as negatively reporting on all 3 of my credit report bureaus as 30 days late, when that was not the case.
Product: Money transfer, virtual currency, or money service

Dear Executive, My name is XXXX XXXX, regarding to my account the system place a limitation XXXX. 

This Just happend after i attemp to link My XXXX  XXXX XXXX Account. 

I really apreciate you to help me to fix this issue becouse i never have any problem with my account. 

Any Information on aditional i will glad to help you. 

Thanks
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the XXXX for failing to properly investigate my disputes regarding an inaccuracies in my credit report. despite my submissions, experience consistently response within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : 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
Product: Debt collection

I was checking my credit report and seen debt that I don't recall or have knowledge about, so I disputed the debt on XXXX, XXXX and XXXX with a few hours the accounts came back verified. Account name : Transworld Systems : Amount : {$920.00} Date : XXXX
Product: Credit card

I currently have a billing dispute regarding my credit card. While the dispute was under investigation, the bank reported my account negatively to the credit-reporting agencies. Can it do this? 
No. Generally, if you have filed a proper billing error dispute, the bank shall not make ( or threaten to make ) an adverse report to any person about your credit standing. 

The bank also should not report that an amount or account is delinquent because you failed to pay the disputed amount -- or related finance or other charges -- while the investigation proceeds. 

Chase put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never XXXX late payment so why would I have XXXX now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have XXXX late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never XXXX late payment? This pertains to account number ending in XXXX. Thank you