23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX - We received a communication from our insurance company that our escrow account had failed to make the insurance payment on time. We called the escrow servicers to submit and online payment. 

XX/XX/XXXX - Online payment was sent by the escrow account to the insurance company for {$1300.00} XX/XX/XXXX - The original physical check for {$1300.00}, that the escrow company had sent was found in the mail and was cashed by the insurance company. 

XX/XX/XXXX The physical check for {$1300.00} was returned to us as an over payment. 

XX/XX/XXXX The escrow company submitted a stop payment for the online payment of {$1300.00}. 

XX/XX/XXXX - We decided to switch insurance companies, and discovered this issue that happened back in XXXX of XXXX when we received a bill for {$940.00} from XXXX XXXX our former insurance company. 

XX/XX/XXXX - We notified our mortgage company of the bill so they could pay the insurance company out of escrow like they were supposed to have done back in XXXX of XXXX. 

XXXX XXXX XXXX, XXXX - After talking with XXXX numerous times about this issue, we were informed of the stop payment being issued by the Mortgage company on XX/XX/XXXX, and that we owed the {$940.00} for the coverage from then till XX/XX/XXXX when we switched the policy. Our escrow company refused that this was the case even after being shown numerous documents from XXXX insurance that this was the case, They also refused to pay for the insurance bill. 

XX/XX/XXXX - We were forced to pay for the insurance out of our pocket, and upon reviewing the 1098 Tax form from XXXX XXXX XXXX XXXX we discovered that they falsified the document to say that the home insurance was paid out of escrow. We have documents from XXXX XXXX to show that this is untrue.
Product: Credit reporting or other personal consumer reports

This account was fraudulent open in my name, I spoke to XXXX XXXX and it should have been deleted from my report ; XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have new and updated information for the complaint # XXXX with XXXX. 

I received communication from XXXX on XX/XX/2021 threatening me with legal action if I do not give them my property. I have a cease and desist on XXXX dated XXXX. XXXX has violated my consumer rights under the FDCPA. 

I have attached a copy of the communication that was sent by XXXX.
Product: Credit card or prepaid card

I have a secured Mastercard with Citi Bank. The amount of the security deposit ( {$2500.00} ) is equal to the amount of my Citi bank Mastercard credit limit. I have had this card for 13 months so as loans / credit / banks are concerned this account is " seasoned ''. Any time I make a payment in excess of {$100.00} Citi bank holds my payment for 3 weeks or until I call them and they then call and verify with my bank ( XXXX XXXX XXXX ) to verify that the payment has been debited. Whenever I question Citi Bank reps ( I have had this conversation with Citi Bank multiple times over the course of the last 13 months ) as to why they do not automatically give me credit for the payment within 1-2 days of my bank paying them their standard response is " We don't have the payment ''. When i tell them that money moves like emails they tell me it does not. When i ask them why, when i have never missed a payment or had a returned check that they still hold my payment for weeks without crediting me in spite of the fact that my account is now seasoned theyll tell me " We have not received your payment ''. When i ask them if there is a 3 week delay between the time XXXX XXXX debits my account and they receive the money as they are insinuating they tell me " I do not know ''.
Product: Credit card or prepaid card

I'm trying to build credit and FirstProgress charged me for a credit application {$29.00}. 

They sent an email asking for me to upload documents on their site, but the site doesn't work. The phone number for help can not deal with applications at all, they have no ability to help. 

They said to post the info. I post the info and got no response. 

I called several more times and was told to just send more letters. I sent another letter and got no response. 

The application status page says " We are unable to provide you with additional information about your application at this time. Please contact XXXX if you need assistance. '' I've spoken with them and they cant help or do anything. At this point they have charged me {$29.00} for an application and are now ignoring all correspondents from me. 

They have stolen my money. Also the {$29.00} was to get a fast application. I already have a credit card with other people now as this prosess has been going on for weeks and weeks
Product: Credit reporting or other personal consumer reports

To : Consumer Reporting Agency Subject : Request for Removal of Inaccurate Information Based on XXXX Deletion Dear Consumer Reporting Department, I am writing to inform you that after disputing the following accounts with XXXX, the accounts were fully deleted from my XXXX credit report as of XX/XX/year>. The accounts involved in the dispute were : XXXX XXXX Delaware XXXX 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Since XXXX has deleted these accounts from their records, the information should no longer be considered valid or reportable on my credit file with your agency. Therefore, I respectfully request that you conduct your own investigation into these accounts and delete them from my credit report as well, in accordance with the findings by XXXX. 

In accordance with FCRA Section 1681i, if the information reported by you can not be verified, it must be removed from my credit file within XXXX  days of this notification. As XXXX has already determined that these accounts were unverifiable and have removed them, I trust that you will take appropriate action to ensure that my credit report is accurate and up to date. 

Please be advised that if these unverifiable accounts are not removed from my credit report within XXXX  days, I will have no choice but to consider further legal action to enforce my rights. Under FCRA Section 1681p, I have the right to seek damages for any violations, including the right to sue for failure to remove inaccurate or unverifiable information. 

I expect to receive written confirmation that the accounts in question have been removed from my credit file within the legally required XXXX period. Should the accounts not be deleted, I will pursue all legal remedies available to me, including filing a lawsuit. 

Thank you for your prompt attention to this matter. Please notify me of the status of your investigation and removal of these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My government bankrupted me, and I'm now XXXX. I am currently doing contract work to stay afloat. Yesterday, I paid my final payment on my final debt on my credit report. I don't wait for a bank or agency to report anything. I contact the credit reporting agency and submit a dispute advising it has been paid/settled in full with details of what exactly the deal was with that creditor/collector. I called transunion to report and submit a dispute to advised another account debt has been settled in full. The agency told me I already had several disputes pending and I could not submit another until XX/XX/2022. 

I didn't put myself in this situation. My government did. I've done everything I was supposed to do over the pandemic and continue to seek employment while I do XXXX XXXX and XXXX XXXX XXXX XXXX. 

I just want to submit my dispute for settled in full and move on! This constant having to fix a situation that I did not put, myself in is XXXX. Not one place designed to help did, and I am once again having to take matters in my own hands because my government has destroyed my entire lifes work, my credit, and did not think ahead at all about the consequences of their actions and decisions. And I'm paying for it while they still have a home to go to.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent loans were opened up in my name XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX XXXX accountnumber XXXX XX/XX/XXXX XXXX  account number XXXX XX/XX/XXXX I have included./ attached following documents -FTC identity theft report - driver license -social security card -A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting or other personal consumer reports

This is my 15th 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 XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX  XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$950.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a purchase with my Cash App XXXX XXXX card on XX/XX/2024 on XXXX, a big online retailer for computer parts. My order was shipped and delivered on XX/XX/2024 the package was tampered with and I immediately refused delivery of the product. It was returned to the vendor XX/XX/2024 ( Page 2,3,4 and 5 of PDF ) I opened a claim for a refund. XXXX denied by claim for a refund. This is against their refund policy ( page 6 and 7 of PDF ). I tried to get an answer from XXXX about the refund and they have not provided me answer. I reached out to cashapp on XX/XX/2024 to start a dispute via XXXX and the merchant. I provided Cash App similar supporting document but they still denied my dispute without any just cause ( page 1 of PDF ). This is not right my money has been taken from me and Cash App is not handling the dispute and help retrieve my money which was unjustly taken. I have followed all policy of the merchant, returned the product, had a valid claim and still Cash App does not help me opening a dispute on the XXXX network.I need Cash App ( owned by square ) to dispute this transaction as I have been defrauded by the merchant and they are going against their refund policy. This item was refused upon delivery, and it is within my right to refuse delivery and get a refund for a tampered package.
Product: Debt collection

A company named XXXX XXXX put a lien on my bank account with XXXX XXXX  XXXX back in XXXX of 2015. They took out almost {$2000.00} from my account at that time and drained it out. After filing court documents to get the judgment quashed because I was never served properly, XXXX and I worked out a deal. They agreed to keep all the money they took out of my account in exchange for resolving the outstanding debt. I was under the impression that this matter had been closed. 

I received a letter just yesterday from a firm called Law Offices of Robert Colclough that says I owe them money for a debt they purchased from XXXX XXXX XXXX XXXX, stemming from my debt owed to XXXX XXXX, nearly 8 years after I resolved my issues with XXXX. 

This was completely out of left field. I was completely blindsided by this letter. I have been under the impression for 8 years now that this debt has been resolved. During XXXX I worked tirelessly to repair my credit and resolve all outstanding debts that I had. I left no stone unturned. 

To receive a letter like this years later just seems like a shady attempt to bamboozle me out of more money when I have already reached a resolution with the original company, XXXX XXXX XXXX. 

I called the Law Offices of Robert Colclough to resolve this and explain the situation to them, but they do not seem like they are interested in helping me resolve this matter. They just want to bilk me out of more money. I had an agreement with XXXX XXXX. Theres no reason I should have a collection company sending me any letters about any debt stemming from that original debt. Everything has been resolved for 8 years now. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries not done by me, three inquiries XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Affidavit and disputes sent to XXXX will not comply with deleting inquiries
Product: Bank account or service

There is a {$70.00} overcharge that I am disputing. It derives from TD Bank 's having charged me {$35.00} per debit when a debit induces a negative balance. 

I did overdraw the account on XXXX XXXX. I accept XXXX {$35.00} overdraft fee as appropriate. 
Debits are reconciled daily. There were XXXX debits on XXXX XXXX, and they were made in order of highest to lowest. In so doing, they were done so as to have XXXX of the XXXX debits made against a negative balance, so as to induce XXXX overdraft fees. If the biggest one was the last XXXX, then there would have been only XXXX debit against a negative balance therefore only XXXX overdraft fee. 

Therefore, I have been overcharged {$70.00} because XXXX of the XXXX overdraft fees were preventable by TD Bank. 

The likelihood that XXXX transactions would be, if their order was chosen at random, ordered from highest to lowest is XXXX in XXXX. XXXX use the protocol that if an event is less than XXXX likely by chance, then the event can not be considered a chance event. Therefore, I am inferring that the ordering to maximize the overdraft fees is deliberate. If similar complaints have been received against TD bank, then proof of intent will be stronger than can be inferred from this complaint alone.
Product: Debt collection

I have repeatedly asked CBE Group to STOP calling me but they don't stop. 

I believe they are trying to collect an old debt that isn't even mine from XXXX XXXX XXXX.
Product: Credit card or prepaid card

My complaint is against " U.S.DIRECT EXPRESS ''. I had " I.D . THEFT '' on XX/XX/XXXX. I checked my " U.S. DIRECT DEBIT CARD '' balance on XX/XX/XXXX, and discovered a discrepancy of an amount I didn't recognize. I immediately contacted " U.S. DIRECT EXPRESS " CUSTOMER SERVICE '', to submit a dispute. They put a " STOP '' on the DEBIT CARD I'd been using, and then issued a NEW DEBIT CARD. I proceeded to ask where this unknown charge came from, and was told a particular company, and was given the phone number associated with them. I called the number myself, so I could confront them, but it was to no avail. After dialing the number I was given by " U.S. DIRECT CUSTOMER SERVICE '', it became obvious that it was some sort of 'TELEMARKETING FIRM '', and first thing I heard was the typical " THIS CALL MAY BE RECORDED FOR QUALITY ASSURANCE ''. So the " U.S.DIRECT EXPRESS '' dispute department mails you a " DISPUTE FORM '', and you are expected to return it within 10 days. They then review your dispute, and claim to make a decision within 45 days. By the time I received the dispute papers in the mail, a few days had already passed within that 10 day period, so it would be impossible to get it back to them within 10 days, without paying for OVERNIGHT delivery. I was unwilling to do that. I proceeded to send the dispute form and waited. The 45 day waiting period turned into almost 60. I contacted " U.S.DIRECT EXPRESS '' " CUSTOMER SERVICE '' to inquire about the dispute decision, and was told that because the dispute form was not returned within the 10 day period, that it was still ongoing, and no decision had been made as yet. In addition, I had previously had " I.D.THEFT '' in XX/XX/XXXX. At that time, my entire " SSI '' benefit amount had been depleted. I went through the same process, filed a dispute, no decision was made, and their office was at fault for the " I.D . THEFT ''. I've reported " U.S.DIRECT EXPRESS '' to the "XX/XX/XXXX. '' about both incidents, and they were very familiar with this company, and stated that " U.S. DIRECT EXPRESS '' was at the very bottom of their list for " REPUTABLE '' companies, and they had received thousands of complaints about them. They suggested that I contact you, because they felt you would be able to help more then they could. I also spoke to a lawyer about the XXXX incident. She was quite familiar with " U.S. DIRECT EXPRESS '' as well. Her colleagues filled in her in on a few cases involving this company. She stated that " U.S.DIRECT EXPRESS '', never answers a lawyers call, so she proceeded to write and send them a letter on my behalf. UNFORTUNATELY, she submitted the letter with incorrect dates of the " I.D.THEFT '', so it was completely ignored. I informed her of this discrepancy, and she re-sent the letter with the correct dates. Neither one of us ever heard anything back from them.
Product: Checking or savings account

XXXX  of this year, I received a new debit card in the mail from  TCF  Bank. I activated the new card promptly. I live in  XXXX , and most days I commute to   XXXX   XXXX   using  XXXX   XXXX   XXXX  's  XXXX   XXXX   XXXX  "   XXXX   XXXX   XXXX   or buses, which use a fare system operated by  XXXX . Through school and paid for with my tuition, I have a U-Pass with unlimited rides with  XXXX . To get on a bus or train, I wave my U-Pass over a card reader, and a screen lights up green informing me I have provided acceptable fare. Like many people, I do not remove my U-Pass and individually scan it over the card reader ; rather, I wave my money clip containing several cards and cash over the reader to save time. Since  XXXX    XXXX  , this has never been a problem, but that changed with my new  XXXX    XXXX    debit card. Unbeknownst to me, between  XXXX   XXXX  and  XXXX   XXXX ,  XXXX  charged my  TCF  debit card instead of the U-Pass for a total of {$120.00}. TCF Bank and  XXXX  never informed me that their debit card could charge at transit card readers, and I was unaware a checking account could even possibly be charged in such a way. TCF Bank refused on multiple occasions to refund me the {$120.00}.  XXXX  refused to even look into my case, flatly stating " no refunds '' despite me having a U-Pass with unlimited rides.
Product: Debt collection

I WAS CONTACTED XX/XX/XXXX BY A COMPANY CLAIMING TO BE A PROCESS SERVER AT XXXX # XXXX THEY THEN TRANSFERED ME TO THE SO CALLED XXXX REPS. XXXX XXXX AND XXXX. A XXXX XXXX WHICH HAD MY LAST XXXX OF MY SOCIAL # AND FOUR DIGITS OF A VISA CARD FROM CITIBANK WHICH THEY SAID I OPENED IN XX/XX/XXXX, AND HAVEN'T MADE A PAYMENT SINCE XXXX XXXX. THEY DIDN'T GIVE ME A PH # OR ADDRESS TO CONTACT THEM SO I CALLED THE PH # FOR THE SO CALLED PROCESS SEREVER WHICH CAME UP ON MY CALLER ID AS XXXX, XXXX FOR THE PH # OF THE PEOPLE THEY TRANSFERRED ME TO AND HAVEN'T HEARD FROM THEM SINCE. SO I CALLED CITIBANK ON XX/XX/XXXX AND GAVE THEM MY INFORMATION AND THEY HAVE NO RECORD OF MY HAVING AN ACCOUNT OR EVER HAVING AN ACCOUNT WITH THEM. THEY THEN ASKED ME IF I EVER HAD A HOME DEPOT ACCOUNT WHICH I SAID YES CALLED XXXX XXXX XXXX, BUT THEY HAVE NOTHING ON THAT EITHER BECAUSE IT WAS JUDGEMENT SATISFIED AS OF XX/XX/XXXX WITH THE XXXX XXXX XXXX 'S OFFICE, BY XXXX, XXXX, AND XXXXXXXX XXXX XXXX # XXXX. I FEEL THEY ARE TRYING TO SCAM OR FRAUD ME OUT OF SOMETHING I KNOW NOTHING ABOUT AND DON'T EVEN KNOW IF THEY ARE LEGIT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following : *My RIGHT as a consumer to extend credit From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! 

There is no such law that states that anything must be reported to a consumer agency. Therefore, your organization is liable! 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account XXXX XXXX XXXX XXXX XXXX # XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXXXXXX, XXXX # XXXX from my consumer report and ALL remarks. 

Upon further research 15 USC 1681n states that each violation for willful non compliance is {$1000.00} per violation. 

I hope these accounts are removed swiftly after months and months of my reputation and character being ruined! 


Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX