23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have submitted my mortgage payments for XXXX, XXXX, and XXXX of XXXX. I have the dates and transaction numbers as well as bank statements to proof me paying the amounts. Nevertheless, the mortgage company still fails to apply my payments to my account and is in the process of defaulting my loan. They also have reported me to the credit bureaus. I am currently in the process of seeking legal advice as well. The payments for each of these months were double charged with one payment each month being successfully remitted. 

Please contact the loan servicer to bring my account current and to remove the late payments on my credit reports. 

Additionally, as of my last communication with this company 's call center a call center agent named XXXX with ID # XXXX was very unprofessional during his communication with me, he did not help answer any of my questions, was highly argumentative, and refused to transfer me to a manager on multiple occasions leaving me on hold for up to 20 minutes to force me to end the call without seeking the assistance of a manager. 

The payment dates and transaction numbers are as follows as indicated on the bank statements as well : XXXX XXXX XXXX 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 card or prepaid card

WE DISPUTED A LARGE NUMBER OF TRANSACTIONS WITH AMERICAN EXPRESS AND THEY DENIED OUR CLAIM BASED ON THE FACT THAT THE OWNER OF THE CARD GAVE ACCESS TO THEIR OFFICE MANAGER. SOME OF THESE TRANSACTIONS LOOK LIKE THE PARCELS WENT TO THE OFFICE MANAGERS HOME BUT THIS WAS NOT THE CASE. WE FEEL THERE IS IDENTITY FRAUD AND SOMEONE INTERCEPTED THOSE PACKAGES BECAUSE THERE WAS ONE PACKAGE THAT THE MANAGER RECEIVED THAT SHE HAD TO SIGN FOR THAT SHE DIDN'T ORDER BUT SHE THOUGHT IT WAS FROM ONE OF HER FRIENDS. THEY WILL NOT LOOK INTO THIS FURTHER AND WE SHOULDNT BE ON THESE FRAUDULENT CHARGES.
Product: Mortgage

CMC Funding has not been able to make accurate nor timely personal property taxes, even though there has been adequate funds in my escrow account for this purpose. My taxes are to be paid in XXXX and XXXX. The XXXX payment was in arrears until XXXX of 2015. CMC Funding assured me that this would not occur again, and that they would work with me. I received a delinquent tax notification from my county that the XX/XX/XXXX payment was not made. 
In XX/XX/XXXX I sought legal counsel. With his help the XX/XX/XXXX issue was resolved. CMC Funding has been in touch with my attorney, letting him know that they were working with me directly regarding the XX/XX/XXXX payment. In fact, I have had no direct contact from CMC Funding, until I notified them on XXXX XXXX 2015 that the tax was in arrears. I went ahead and paid my county taxes with penalty and interest to the amount of {$800.00}.
Product: Mortgage

I have applied for help in paying my back missed payments ( due to forbearance ) with the Arizona Department of Housing. They have monies from the Arizona Housing Assistance Fund Program. The Arizona Department of Housing has been waiting for LoanDepot to complete their onboarding process that they sent LoanDepot. Again LoanDepot has sat on their hands and have done nothing to help me, their customer get back on their feet as they have promised.
Product: Checking or savings account

I received a letter stating that my savings account has not been used in an unspecified period and the bank was going to have to turn the funds over to the state in 45 days if there was not activity or if I did not return the letter signed that I wanted to keep the account open. This savings account is linked to my checking account and only used as over draft protection. It is also part of my online banking. 
When I went on line to move funds from checking to this savings account I found that this savings account was no longer listed on line. I then called M & T Customer Services and after a significant hold time the customer service rep said she could return the account to active via a hardcopy letter or electronically via XXXX. After multiple attempts to get XXXX to accept my ID the document was approved only to find out that M & T had move my account from dormant to another category that they have and they would only reactivate it after receiving the hardcopy letter. 
Essentially they have frozen my funds via an M & T procedure. As I had been on the phone for 55 minutes I asked to speak to a supervisor. After 10 minutes of discussion the supervisor was no help and said that they would not reactivate the account electronically via a scanned document or XXXX or any other way except the hardcopy letter via US Mail. My funds are frozen. I could go to a M & T Bank that is 176 miles away but I am not sure that would help. 
I do understand that inactive accounts must be turned over to the state after a specific period of inactivity but this was a linked account to a very active checking account. Also there was not reason to move the account to inactive and take it off the electronic system making it impossible for me to make a transaction.
Product: Payday loan, title loan, or personal loan

Someone made a fraudulent purchase and opened a financial account with great American finance. The purchase was made in XXXX and I'm not sure how they did it but I'm not from there. I reside in XXXX Florida. 
I made a police reports and emailed it as well as other documents to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 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, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IC System is reporting a debt of {$380.00} from XXXX under my name to XXXX credit reporting agencies -- XXXX, XXXX, XXXX. Unaware of such an account, I requested that IC System send me specific information pertaining to this debt under Texas XXXX XXXX XXXX XXXX XXXX XXXX ( see attached letter XXXX. According to XXXX XXXX, when requested, a debt collection agency or credit bureau must provide the alleged debtor with specific validation information concerning their alleged debt within XXXX calendar days. 

The debt validation request was mailed via XXXX Certified Mail with Return Receipt on XX/XX/2016 and received by IC System on XX/XX/2016. IC System has been given more than XXXX calendar days to provide a timely response, but has failed to respond at all. 

Per XXXX XXXX XXXX d ) ( XXXX ), failure to respond to the request within XXXX calendar days, or failure to validate the debt, requires IC System to delete their tradeline from all credit reporting agencies. 

In addition, since receiving a request for validation, IC System has submitted a " XXXX '' remark to the credit reporting agencies ; an action that I did not request. I merely requested more information about an alleged debt, which is fundamentally different from disputing such debt. IC System took it upon themselves to report a dispute that I did not request. 

IC System is not only attempting to collect a debt that they can not or have not validated, but their collection practice is irresponsible. This feels like a bullying tactic to ( XXXX ) make a person feel guilty about requesting more information, and ( XXXX ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.
Product: Payday loan, title loan, or personal loan

I have a collection on my account from XXXX XXXX XXXX and I have never been to one of their locations. I have never applied for credit with them and I never gave them any of my information.
Product: Credit card or prepaid card

I have a JcPenney credit card issued by XXXX XXXX. I made my first purchase with them on Saturday XXXX/XXXX. I have a {$100.00} credit limit and spent {$60.00}. I go to pay if it off yesterday XXXX/XXXX, and there is {$0.00} available balance.
There is a posted transaction for {$60.00} and then a pending charge for {$60.00} ( it put me in the negative by {$20.00} ). It stated online all pending transactions will post in 48 hours.
I contacted them yesterday XXXX/XXXX and they told me I would n't be charge and the pending amount should fall off soon.
Today, XXXX/XXXX, I checked again and it 's still pending. Contacted them again and the girl was very rude and said I had to wait till Monday to see if it " falls off ''.
This is absurd. I have other Synchrony cards- and none of those, do this. Why is this allowed? This is not right! I have both reference numbers if you need those.
Product: Mortgage

On XX/XX/2020 I was supposed to close my refinance with AmeriSave Mortgage Corporation NMLS ID # XXXX the day before they changed the final DC and increased it. They are having a bait and switch method to apply with them, lock the rate, sign everything and then increase the amount at the very end.
Product: Credit card

I am reporting unauthorized transactions that appeared on my Chase bank account, totaling {$310.00}. I did not authorize or make these charges. After noticing the fraudulent charges, I promptly contacted Chase to dispute them and reported that I did not recognize or consent to the transactions. 

Despite my notification, Chase representatives have accused me of making the transactions myself and have stated that they will not remove the charges, instead placing the amount back on my card. I feel this response is unjust, as I have made it clear that these transactions were unauthorized and are cases of fraud.
Product: Mortgage

applied for mortgage from Filo mortgage co in early XX/XX/XXXX, and complied to a myriad of requests for records that were repetitive. I complied for 6 months of a variety of requests that had nothing to do with my mortgage. I wanted to borrow {$250000.00} on a paid in full {$550000.00} home I bought with cash years before. I have a credit score of 800+ and absolutely no bills except daily living expenses. We have a combined retirement monthly payment of $ XXXX month and felt fully qualified to receive a loan easily. That did not happen, we were asked about simple stupid stuff that went on for 6 months culminating in a loan closing on XX/XX/XXXX. The problem is that I received a loan credit of {$1000.00} reducing my closing costs, during my initial application. At closing it was reduced to {$410.00} which is {$600.00} less than the quoted credit. I asked for an explanation and they explained it was due to an extended time limit for loan accepted. Loans in the past for me were loan to value based and we were totally fully covered for the loan amount, but Filo kept asking for address change for a property also fully paid for and in my history. Also I sold a home 35 years earlier that continued to have my name on the deed with the person who purchased the home. I can prove what I own but how do you prove you dont own it? There were so many crazy requests asked of us even though we did provide the extensive responses from agencies, and communities and court houses etc that we begged for an answer if we were going to get the loan. I had to do the calling to them to see what they now needed. It was frustrating and I called the home office, her supervisor everyone I could to get this off dead center. Filo mortgage is totally incompetent with an office full of inexperienced flunkies. I should not be penalized for {$600.00} that they caused. My loan to value is substancial in my favor, and despite this Filo staff kept asking for more including a family spat between father and daughter that had no basis in the courts but somehow Filo needed an explanation before approving the loan. They ARE A TOTAL JOKE AND i PLAN TO CALL THE XXXX XXXX XXXX  to prevent this happening to others. Please help I deserve to not be penalized for there incompetence
Product: Debt collection

I received letter from a company impersonating the XXXX Department of afni. The letter was an attempt to collect a debt owed to XXXX XXXX with a false claim number. Also, the alleged date of this accident took place before my company existed. They are threatening legal action if the balance isn't paid. 

There is a toll free number that does not match the number listed on afni 's actual website and an address for website for a payment website that redirects you to a landing page which clearly is not belonging to the real afni. There is also legitimate appearing notice stating that " All conversations with Afni XXXX be recorded ''. 

This is their info : afni Subrogation Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX card was opened in error in XX/XX/2017 when a XXXX card system failed in the store to accept an already valid account card. The application for the new card was told to have been terminated in the store once I realized the process was actually opening a new account, accessing my FICO scote, and adding an additional account with the creditor. Instead, I started getting calls in the first month about the charge. I asked that the charge be verified as well as the validity of the account. Instead, collection continued and another charge added to the account, which was also questioned. After I figured out on my own the error of opening a new account altogether in the store instead of fixing the problem accepting the card/account I already had, the new account had been listed as delinquent without validating any of it. This is notably a one month delinquincy report affecting my entire FICO category. I paid in full and never received the late payment fee reversal. Also, the account was requested to be closed months ago.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit file after being denied credit, I discovered that incorrect information is being reported, including fraudulent accounts such as an apartment lease, a mobile phone, and a credit card. I am filing this complaint against XXXX, XXXX, and TransUnion for failing to thoroughly investigate and verify the accuracy of this information before reporting it. 

I have formally disputed these accounts with each credit reporting agency, notifying them that I do not recognize or authorize these accounts. Additionally, I suspect I am a victim of the XXXX XXXX breach, as I have received notifications indicating my information was compromised. I believe these fraudulent accounts were opened as a result of this breach. 
Based on my understanding of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, any account identified as fraudulent by the consumer must be thoroughly investigated and blocked from the credit file. Furthermore, under Section 611 ( a ) of the FCRA, credit reporting agencies are required to report accurate information and must promptly investigate and remove all disputed inaccuracies.

These fraudulent accounts are causing significant hardship, and I request an immediate investigation into this matter.
Product: Debt collection

This debt is not mine. I 've been disputing this since it was with Springleaf in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the rights FCRA, My rights have been violated by the 3 credit bureaus. XXXX, TransUnion, XXXX. For the past year now 2019. There has been inaccurate information placed on my credit file. Account information inaccurate, Old fraudulent debt reported has new. Between XXXX, XXXX, XXXX. I disputed 3 collection agency with the 3 credit bureaus. XXXX XXXX, XXXX XXXX. ALSO XXXX XXXX XXXX. Two which were medical debt that was not mines. Credit reporting agency allowed these collection agency to report inaccurate information, I send letters in for validation. These agency violated HIPPA. They violated my rights under FCRA. In XXXX of 2019 I sent in Proof of these violations to the 3 reporting Agencies. After a few weeks they deleted this items off of my credit report. I have all Proof and paper work. As of XXXX 2019 XXXX, TranUnion, XXXX, has allowed these same collection agencies to report inaccurate information on my credit file as New! While I'm proceeding litigation. This has caused my credit score to drop significantly. This has cause so many damages under FCRA, it has also caused me and my family distress. I have all of my paper work together along with proof of inaccurate, on all of my credit file. Under FCRA Part ( A ) ( 5 ) ( B ) ( ii ), Also Under FCRA Section 611.
Product: Credit reporting, credit repair services, 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. 

1.Validate Account XXXX XXXX XXXX Account Number : XXXX : 2.Validate Account XXXX XXXX XXXX  Account Number : XXXX 3.Validate Account XXXX  Account NumberXXXX, XXXX Account Number:XXXX Validate Account XXXX Account NumberXXXX 6. Validate Account XXXX XXXX  Account Number:XXXX Validate Account XXXX Account Number:XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account Number:XXXX  Validate 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 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: Checking or savings account

I went to an authorized atm to make a withdrawal. The atm had a glitch and dispensed the incorrect amount. I originally requested {$400.00} but only XXXX was dispensed and they took {$360.00} from my account even though the atm only gave me XXXX. I disputed this with my bank and they are stating no mishap occurred when it did.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Plaza Home Mortgage has threatened on two occasions, to charge me approximately {$380.00} for supposedly not having homeowners ' insurance from XX/XX/XXXX to XX/XX/XXXX. I've called this company a total of four times in an attempt to correct the issue. However, when a supervisor is requested, they claim one is " not available ''. Their representatives are rude and unprofessional. I believe this irrational and illogical threat letter is retaliation for having filed previous complaints against this company with CFPB. I had insurance coverage from XX/XX/XXXX - XX/XX/XXXX, and I did not close on the home until XX/XX/XXXX, so I do not understand why this company is sending threatening letters when at the time, I did not even have possession of the property. 

This mortgage servicer is wholly and entirely incompetent. I request CFPB investigate this mortgage servicer in order to determine if they are retaliating against me for previous CFPB complaints filed against them. I have attached all relevant documents to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS # XXXX XXXX XXXX / Equifax / XXXX XXXX/XXXX/XXXX RE : Request for Investigation of Unauthorized Inquirys Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization in [ 2017 ] and I noticed several unauthorized inquiry had been made. 

I contacted [ XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX/, XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXf XXXX ] , who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ these companies ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Money transfer, virtual currency, or money service

Hello, I have recently opened an account with capital One Bank where I deposited my irs treasury check. I received an email a few hours later from capital one stating the check with be placed on a 2 MONTH long hold pending further verification. I request the check back and customer service told me the check was already successfully deposited and we can no longer do anything about it is there any way I can get help getting my check back or a shorter release date?