23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced with QuickenLoans/Rocket Mortgage back in XXXX of XXXX. When we refinanced we were incentivized by the low interest rate and the monthly payment going down due to economics at the time. 

Our monthly payment at that time was roughly {$1700.00} at that time and has been that since we switched to Rocket Mortgage. However, they just sent over an escrow analysis and they miscalculated our escrow for the year of XXXX by almost 10x the amount as they estimated {$480.00} in county taxes but those taxes were actually more than {$4000.00}. We are now being asked to cover the deficit in our escrow account as well as cover the difference for next year 's escrow payment. This is causing our monthly payments to increase by nearly {$800.00}. Rocket Mortgage has been essentially a stonewall when it comes to discussing this issue and not accepting any accountability for the mistake in our escrow analysis.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding four student loan accounts that are inaccurately reported on my credit report. These accounts were not known to me, and I have neither made payments nor received any correspondence regarding them until now. Despite my lack of knowledge or involvement, it has come to my attention that payments are being reported to credit bureaus in my name. 

Specifically, I am concerned about the following issues : Unauthorized Reporting of Payments : Payments are being reported to credit bureaus for loans that I did not take out and have not been informed of until recently. 

False Reporting of Closed Accounts : It appears that these accounts are falsely reported as closed. Such misinformation can adversely affect my credit score and financial standing. 

Misleading Information to Maintain Freshness : It appears that false information is being provided to credit bureaus, suggesting that payments have been made, likely to keep the accounts active and the reporting date fresh. 

These actions are not only inaccurate but also potentially damaging to my credit profile and overall financial well-being. I request a thorough investigation into this matter to rectify the inaccuracies and prevent any further misleading information from being reported. 

Furthermore, I believe this conduct violates several consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) : The FCRA mandates accurate reporting of consumer credit information and provides consumers the right to dispute inaccurate information on their credit reports. 

Fair Debt Collection Practices Act ( FDCPA ) : If applicable, this act prohibits debt collectors from using deceptive or unfair practices in attempting to collect debts. 

Truth in Lending Act ( TILA ) : TILA requires creditors to provide consumers with accurate and meaningful information about loan terms and conditions. 

I hereby request that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into these four accounts and take appropriate action to correct any inaccuracies, prevent further misinformation, and ensure compliance with all relevant laws and regulations. 

Please find enclosed copies of any documentation I have regarding this issue for your review. I appreciate your prompt attention to this matter and look forward to your response. 

I am demanding a deletion of all four XXXX XXXX college account
Product: Debt collection

I have a personal loan with Heights Finance, I am due for my last payment of {$150.00} as of XX/XX/25. My due date is the XXXX. I received a voicemail from XXXX at XXXX on Friday, XX/XX/XXXX that stated it was the last day of the month and so I needed to call to make my payment to avoid any negative impact to my credit. I called and spoke to the branch XXXX and asked her if they are now reporting people past due to the credit bureau when they are still in their grace periods and only XXXX days past due? She replied that the employee that threatened me with that is new and probably did so because of my payment history then continued to lecture me because I work for a similar company and I should know that they want the payment by the end of the month.
Product: Student loan

I attended this school in XXXX, I was unable to complete the coursework because the school closed down. The institution is still charge me for the debt. The school advertised and explicitly promised being hired upon completion. However, they lacked credibility there after because I was unable to complete the course work and was left with the death. The company breached its contract by promising upon completion being hired however, closed down in the process leaving me with the predatory loan. I determinately relies on this process, I have been unemployed as of today and my loan debt accumulation keeps increasing.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent a wire for {$700.00} from my checking account with XXXX XXXX to a XX/XX/XXXX account with Bank of America. In the name section for the wire, I put the individual I was working with ( the business owner ) and in the comments I put the companies name in full. 

The wire appears to have been rejected by Bank of America, perhaps because of the name I put (? ), despite me specifying the company name in the wire. I called my bank and they explained Bank of America returned only partial payment in the amount of {$650.00}, and that may be because of some fee they are charging. But my bank cant say with certainty why Bank of America would charge this since its not their fee and that I should contact them. 

I spent considerable time researching such a fee on Bank of Americas website and found no explanation or fee published that aligns with this amount of {$45.00} for a returned wire. I called Bank of America - spent perhaps an hour just trying to get through to a person because they make it extremely difficult in their menus with countless obstacles to talk to someone if you arent one of their customers. When I finally did get to a person in the wire department, they would not give me any details or possible explanation of the fee because Im not a Bank of America customer. Yet they charged me this fee. So I can not validate why Im getting charged a fee anywhere and the company refuses to disclose. I believe this is a junk fee given its excessive and not published anywhere, nor are they even willing to explain it after Ive contacted them. I would like the {$45.00} refunded promptly to me, in full so that I dont have to take any further action. 

If it helps, here is the description in the returned wire : WT XXXX BANK OF AMERICA XXXX / XX/XX/XXXX OF XXXX XXXX XXXX XXXX XXXX # XXXX TRN # XXXX RFB # XXXX
Product: Mortgage

We had a HELOC loan through specialized loan services. Our payment was set up on auto payment. We never missed a payment and we paid off the loan early. They reported that we missed a payment. They resolved the issue and ended up refunding us money but they reported me to the credit bureau. They were supposed to resolve the issue but I see it still shows up on my report.
Product: Credit card

On XX/XX/, I made a timely payment of {$35.00} on credit card with PNC Bank, XXXX XXXX XXXX, XXXX PA XXXX, they assessed late fee of {$27.00} plus {$1.00} interest charge. They claim the payment was not made timely, I made the payment on the due date and even voice recorder indicated was received on time. I attempted to explain my reason, informed them that I was ill with COVID and made the payment on the due date. They investigated, never provided proof in writing by mail of their findings took them few months to deny my request. Now, I would like for them to refund {$27.00} late along with {$1.00} interest charged on my credit card.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX 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: Credit card

The contrast between my consistent on-time payments for this account and the XXXX  caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX XXXX, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was young and I didn't know anything about credit. Once I got older I realized that my identity was used which i do not understand how people was able to open any accounts in my name because i was not old enough at the time or aware. I did not know anything about credit. I am just now learning about credit. 

I have 3 closed accounts on my credit report that I did not open : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Accounts -XXXX XXXX XXXX I have one collection that I did not authorize : - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit act Experian XXXX XXXX has violated my rights. The following address needs to be removed from my credit XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

This is regarding a Citibank Credit card.I made about {$1000.00} worth of purchases on XXXX back towards the beginning and middle of XXXX. When I got my next statement I noticed a charged me a lot for late fees and interest because for some reason they had taken me off paper statements. I called them to dispute that but at that time I guess due to Covid I was having to wait 3 hours and never get through to anyone. Their website was down so I couldn't contact them that way. It took me weeks to get through and finally I hit the fraud department number because I was just hitting any extension I could to try to get a live person. Everybody I would speak to didn't speak English very well..so they misunderstood me and put my entire account into fraud and issued me a new card. Subsequently XXXX contacted me and said that the charges were being denied so at that point I contacted Citi back and told them those charges were valid that I was just trying to dispute the late fee and interest charges. XXXX however refused to accept any payment from that card anymore and I had to pay all the XXXX charges using a different credit card. Since then Citibank refused to take those charges off of my card I have called them hundreds and hundreds of times I've spoken to supervisors in just about every single Department. I get a different answer every single time and nothing has been resolved I spent countless hours and months on the phone dealing with this. The last supervisor that I spoke with in Citi Billing Disputes said the only option was to have me file a claim with the  FTC and that she would issue me a partial statement credit! I contacted as many other Citi Departments as I could and sent them a certified letter. On XX/XX/XXXX XXXX XXXX, a supervisor from Citi security operations, left me a voice mail saying all charges would be removed. They still haven't been and instead they triple added back {$600.00} of the original charges and additional late fees. This is beyond ridiculous!!! I'm trying to find someone that can actually help me for once.
Product: Debt collection

Convergent attempting to collect a debt for {$5100.00} acct    XXXX  from a previous fraud account dating back over 10 years disputed with original creditor and violates my rights under Fcra and Fdcpa and the statute of Limitations and i request a  Cease and desis t on a collections from this Fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX everything on my credit report has to be 100 % accurate. 
The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) 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. 
Also, the credit bureaus took more than 30 days to complete their investigations.. 

Please find attached tracking numbers for certified mail. 

XXXX XXXX Account number-XXXX also- XXXX Original creditor- XXXX XXXXXXXX XXXX Experian-XXXX Account number- XXXX Original creditor- XXXXXXXX XXXX XXXX XXXX Tracking- XXXX Account number- XXXX Original creditor- XXXX XXXX  XXXX
Product: Debt collection

Ally Financial is guilty of the following federal crimes : Violation of 15 USC 1681 Violation of 15 USC 1692b. ( 2 ) Violation of 15 USC 1692d.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordahce with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordahce with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I normally never call the bank with any issues. I had a terrible experience with my card declining and I had to leave the store. When I called I was told I would need to speak to the Account Services Department. I waited 1 hour and 20 min to speak to an agent, just to be transferred to another agent. That is unacceptable and I am reconsidering my relationship with this institution. I spoke to 4 useless agents and my debit card is still declining all my transactions. I ended up sending money via XXXX to another account I have and will ultimately change my direct deposit and close my account.
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 : DEPT OF ED/XXXX-XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX 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: Debt collection

1. XXXX  XXXX Upon reviewing my credit report XXXX XXXX ( XXXX XXXX XXXX ) was listed as in default. 
This acct. was supposedly opened on XX/XX/XXXX And reported to credit bureaus on XX/XX/XXXX its listed as a one month term? for {$390.00} this is not my debt. Ive been with my current provider for several years. Please remove this account from all credit reporting agencies pertaining to me. This is a fraudulent claim. 

2. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Resurgent are all listed as separate entities attempting to collect credit card debt. XXXX lists as me owing {$750.00} XXXX XXXX XXXX lists as owing {$640.00}. In reality it is one debt, but listing separately harms my credit report as it appears that I owe several accounts. On XX/XX/XXXX at XXXX XXXX., I spoke with Mr. XXXX of XXXX XXXX he could not tell me when acct. was opened, but I was told that this credit card debt is currently listed with them, they represent XXXX XXXX XXXX. My report should list XXXX Only ( not other three accounts ). Mr. XXXX asked me to fax my XXXX information so this can be resolved. I faxed it on XX/XX/XXXX. 

Please remove XXXX XXXX XXXX, XXXX XXXX  XXXX and Resurgent from my credit files. As it appears I owe several accounts which is false reporting. 

Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. 

XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. 

Thank you for your time.
Product: Debt collection

I received a letter from MCM Midland Credit Management on XX/XX/2020 attempts to collect the debt that not belong to me. They try to collect the money for XXXX XXXX. account number : XXXX and the Midland Account number : XXXX with XXXX XXXX account : XXXX. The amount of account balance is {$14000.00} I never have a account number like that with XXXX.
Product: Debt collection

Letter and phone calls from Midwest Recovery Systems attempting to collect a debt that is not mine. The creditors are XXXX XXXX and XXXX XXXX XXXX. I sent a certified letter disputing the false claim and requested a response from the debt collector. No response. Now phone calls are starting under a new company listed as XXXX XXXX XXXX.
Product: Debt collection

A debt collector has been calling my family repeatably and has told them they are attempting to collect a debt from me. I never gave them my family 's cell phone number nor did I ever give them permission to contact anyone about my credit card. They called my family and my mom told them to stop calling, she said they called back on her phone 6 times the same day. The debt collector has been harassing my family and they should be fined for doing so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 have opened a mortgage account with CITI bank USA, and I was asked to open up also a CITI checking account, and transfer XXXX to the account to get 0.1 % rate reduction in my mortgage. However, after opening my account, the account started to produce an error, called " MFA ''. I reached the CITI bank customer services multiple times and spent many hours waiting to resolve this error. However, at the end I lost my access to transfer money to CITI account, and my XXXX is also get blocked in the account. When I called them again, they said there is no fraud or alert in your account and you just should wait! and it is what I keep hearing for the last 10 business days with no resolution. 

Amounts which is blocked is XXXX The last time that I talked with customer service is : XX/XX/XXXX  The solution by the customer service : Wait longer The issue : the website keeps producing MFA error and block any money transfer.