23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or around XX/XX/2023, I called cmg mortgage to discuss an escrow analysis that concluded I owed a 10 % increase each month to cover an escrow deficit. 

I explained that I had received an " overage '' check for excess funds in my escrow account some months earlier and this appeared to be the reason for the deficit. I further explained that the company who is responsible for servicing a mortgage should not send me excess escrow funds if indeed they are not excess funds and will create a deficit in my escrow account. 

XXXX, the supervisor on the call, agreed this is likely what happened and apologized. He proposed my making a short payment in the original mortgage payment amount until they could officially investigate. I did this for XXXX XXXX through XX/XX/2023. I called the company to make my XX/XX/2023 mortgage payment and received resistance from the customer service representative. She told me that a supervisor would need to call my back by the end of that day. On XX/XX/ I called again to pay the mortgage. After 45 minutes on the phone I was transferred to XXXX whom informed me that he had talked talked to XXXX, the original supervisor and XXXX would call me back. He never did. I am unable to pay even the incorrect amount because the site won't take online payments and there is no automated phone payment system. I am concerned that I will be reported late on my credit and they will not own up to their servicing error. Please help. Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX Balance Owed : {$2900.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by AMERICAN HONDA FINANCE. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXXXXXX XXXX XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures. I have also attached the FTC report to support this compliant with the FTC report number XXXX for your reference.
Product: Debt collection

XXXX XXXX is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.
Product: Checking or savings account

On XX/XX/XXXX XXXX posted to my checking account a withdrawal from PAYPAL in the amount of {$31.00} to *rgergree XXXX. 
On XX/XX/XXXX XXXX posted to my checking account a withdrawal from PAYPAL in the amount of {$46.00} to *rgergree XXXX. 
I called PAYPAL ON XX/XX/XXXX. I was told someone named XXXX XXXX used my account to pay funds to himself using my account. I told them I do not know XXXX XXXX and did not authorize any payment. PAYPAL also disclosed that another email was set up that was not my email. My email is XXXX, the email used was XXXX. 
I received an email from PAYPAL dated Sat. XXXX XXXX with CASE ID XXXX. 
The email stated the transactions were denied. 
The transaction ID # XXXX and transaction ID XXXX. 
I called PAYPAL to find out when I would receive the refund since the email stated the Transactions were denied. PAYPAL stated that meant the refund was denied. PAYPAL stated that they had contacted my bank and that my bank authorized these transactions. I requested proof, PAYPAL could not provide proof, I requested PAYPAL stay on the line to speak with my bank on a XXXX way call, I got my bank on the phone, PAYPAL hung up.
Product: Mortgage

Please see attached uploaded medical documentation. Please use these records as evidence in support of my current pending claim XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX obtained copies of my credit report on XX/XX/XXXX and XX/XX/XXXX without my permission. I did not authorize use of my credit report.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Ally Financial regarding their handling of my auto loan. The issues with this loan include predatory lending practices, failure to resolve disputes, and improper handling of my account. 

Background and Issues Violation of Contract Terms The contract includes an arbitration agreement that prohibits the sale of the account to third parties without arbitration. By selling the account to XXXX XXXX XXXX, Ally Financial has breached this agreement. This action is in direct violation of the terms outlined in the contract and undermines the legality of the contract. 
Failure to Release Title Despite the alleged balance of {$1300.00}, Ally Financial 's refusal to release the title of my vehicle after the account was transferred to XXXX XXXX XXXX is unjustifiable. According to the Federal Trade Commission ( FTC ) Act, it is illegal for a company to engage in unfair or deceptive practices in any aspect of commerce. The continued withholding of the title, despite the sale of the account, violates my rights under the FTC Act. 
Reporting Violations Ally Financial continues to report the account to credit bureaus despite transferring the debt to a collection agency. According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information. The continued reporting of the account after its transfer is inaccurate and misleading, violating the FCRA. 
Predatory Lending Practices The terms of the loan, including the high Annual Percentage Rate ( APR ) of 7.84 % and exorbitant finance charge of {$8600.00}, reflect predatory lending practices, which exploit consumers. Such practices are prohibited under various federal and state laws designed to protect consumers from unfair and deceptive financial practices. The down payment did not leave the dealership, which constitutes an illegal practice. 

The balance of {$1300.00} is unjust, and I am prepared to pursue legal action, which will likely result in significantly higher costs for Ally Financial. The legal fees alone will far exceed the current balance, not to mention the potential damages and penalties that may be awarded due to Ally Financials blatant violations of federal and state laws.
Product: Checking or savings account

Dear CFPB : My name is XXXX XXXX ( Mailing Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ). I can be reached at XXXX ( XXXX ) XXXX or XXXX. 
I am filing a formal complaint against Citibank XXXX. ( XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ) for unjustly suspending my checking account without valid cause. Despite multiple attempts to resolve this issue through XXXX XXXX XXXX XXXX ( Citi XXXX Ref. # XXXX ), I have not received a satisfactory resolution. 

On XX/XX/XXXX, Citibank informed me that my account had been frozen due to " questionable transactions ''. The Citi representative mentioned a few examples of such transactions over the phone, which I have thoroughly explained to Citi : XXXX. A ~ {$50000.00} wire transfer from my father, XXXX XXXX, in XX/XX/XXXX These funds were intended for my XXXX XXXX  tuition, wedding expenses, and my mothers trip to the U.S. from XX/XX/XXXX to XX/XX/XXXX to attend my wedding. As a student, I rely on my family for significant expenses such as tuition and wedding costs. Attached, please find : o My notarized birth certificate ( confirming XXXX XXXX as my father ) o Proof of my fathers {$50000.00} remittance to me, stamped and issued by XXXX XXXX Bank XXXX XXXX XXXX tuition bills o My marriage license ( married on XX/XX/XXXX ) o My credit card statements reflecting wedding- and travel-related expenses XXXX. XXXX transactions throughout XX/XX/XXXX Citi claimed that I made frequent XXXX transactions that inquired about Citibank balances in XX/XX/XXXX. However, the majority of these XXXX transactions were payments to my husband, XXXX XXXX, for XXXX purchases made using his credit card. Attached, please find : o My XXXX history in XX/XX/XXXX ( The majority of non-James individuals appearing on my XXXX XXXX record are my XXXX classmates, with whom I split expenses for dining out, travel, and hotels. Im happy to provide any details and signed affidavits from these individuals for these transactions if needed. ) o Corresponding XXXX purchase records, confirming that I purchased items on the same dates and at the same prices using XXXX credit card o Our marriage license as proof of XXXX and my relationship Despite my explanations, Citibank has frozen my account without providing a clear explanation. This wrongful action has left me unable to access my own funds, jeopardizing my ability to pay rent, tuition, and continue my studies at XXXX lifelong dream and the reason I've been working/studying so diligently. I have trusted Citi with my life savings and my parents hard-earned money for the past 9 years and have always abided by the rules. The account they unjustifiably froze is my entire life savings. 

Given Citibanks failure to provide specific reasons or conduct a fair review, it constitutes a violation of my rights as a consumer. I respectfully request the CFPBs assistance in urging Citibank to immediately lift the freeze or grant me access to my funds. I am happy to provide any further evidence upon request, as I have done nothing wrong and am simply a victim in this matter. 

I appreciate your prompt attention to this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ), XXXX, the lender, erroneously reported to EQUIFAX, XXXX, and XXXX  that my automobile debt was included in a Chapter XXXX ( included in Wage Earning Plan ). This is incorrect and, unless they can show evidence to the contrary directly from the Court of Jurisdiction, they must ask all three credit bureaus to retract this information. The debt in question was NOT part of a Chapter XXXX filing and was paid in full as agreed.
Product: Debt collection

Third parties bought my credit card debt and attempted to collect more money than what was owed, revolving, lvnv funding LLC XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX for the amount of XXXX and XXXX $ there are a few more as well. The third parties that has purchased my debt should be taken off and removed from XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA. XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Demand for Payment for Defamation of Character Dear TransUnion Consumer Relations, I am writing to address not only the mishandling of my original complaint : XXXX but also the detrimental impact it has had on my reputation due to the inaccurate information on my credit report. The false reporting has resulted in significant harm to my character, and I demand proper compensation for this act of defamation. 

Despite my sincere efforts to dispute the inaccuracies in my credit report, the previous resolution process fell short, failing to rectify the situation effectively. As a result, my credibility and financial standing have been unjustly tarnished, causing distress and potentially affecting my ability to secure loans, housing, and employment opportunities. 

Given the severity of the situation, I demand immediate action to remove the false information from my credit report and provide written confirmation of its removal. Furthermore, I expect appropriate compensation for the damage caused to my character, in accordance with applicable laws and regulations governing defamation of character. 

I kindly request that you address this matter with the utmost urgency. Failure to comply with this demand for payment and resolution may result in further legal action to protect my rights and seek proper redress. 

I expect a prompt response from your organization, acknowledging receipt of this letter and outlining the steps you will take to rectify the situation. Your cooperation and adherence to the legal standards of credit reporting are crucial in resolving this matter amicably. 

Thank you for your immediate attention to this serious issue. I anticipate a swift and satisfactory resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX and Ive been with Bank of America for over 20 years and I never had this problem nor was treated so low by this Company. There was a charged on my account last XX/XX/2022 from XXXX thats fraud. As soon as I noticed the charge I called XXXX to let them know that it wasnt me that charged the amount of {$320.00} from XXXX. They temporarily credited my account for that amount until investigation. All of a sudden they took the temporary credit of {$320.00} out of my account and when I called the customer service, I was told that XXXX fought the charge and claiming that it wasnt a fraud. According to the Customer Service someone named XXXX was the one that used my account and the merchandise was delivered to my address. I insisted to XXXX again that it wasnt me and I asked the XXXX to provide me the date of the Delivery so I can get a record from every carrier like Post office, XXXX and XXXX to get the proof that I didnt receive that specific Merchandise that XXXX XXXX claiming. I called XXXX four times and all they kept telling me is to write a letter and they will email me the Information how to start this Complain and so far I got 2 emails from XXXX with no Information for me to write this Complain or who and how to mail or email this Fraud charge on my account. Im so frustrated dealing with XXXX and I dont know what else to do.
Product: Debt collection

I have contacted XXXX XXXX by mail on numerous occasions. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I have requested XXXX XXXX to verify that this debt belongs to me from XXXX XXXX and they have not provided me with a response yet. The address that they are reporting to the credit bureau is an address that I have never resided. I have contacted the credit bureau by mail and phone and their response is that they have verified the debt but thy have not informed me on how the debt was verified. I have even informed the credit bureau that the address that XXXX XXXX is reporting is not correct and has never belonged to me. I know by law that a collection agency is required to verify a debt which they have failed to do for over a year but yet they are still reporting this incorrect information to the credit bureaus. Would you please be able to assist me with having this account removed as it is hindering my credit and should not be being reported.
Product: Checking or savings account

XX/XX/24 XXXX {$60.00} XXXX {$55.00} XX/XX/24 XXXX XXXX {$65.00} XXXX {$65.00}, {$57.00}, {$53.00} XX/XX/24 XXXX  {$80.00} XXXX XXXX XXXX {$71.00} XXXX {$73.00} XXXX {$72.00}, {$38.00} I've emailed them according to their rules, they took a short time to " do an investigation " and there was no way to get back ahold of them. The email address would not take my emails and I could not get ahold of them any other way. They ignored my requests. This has happened XXXX or 4 times now that there is fraudulent charges and they text me and ask but they let the transaction go through anyway. Sofi has completely ignored my request for more information.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into the inaccurate charge-off information appearing on my credit report provided by Experian. This information is incorrect, and I request its immediate removal from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable laws. 


- Account Number : XXXX - Creditor Name : XXXX XXXX The charge-off information reported is incorrect. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history. 

Right to Accurate Information ( FCRA Section 609 ) : Under Section 609 ( 15 U.S.C. 1681g ), I have the right to obtain and dispute the completeness and accuracy of the information in my credit report. I request that you investigate and verify the accuracy of the reported charge-off. If the information can not be verified, it must be removed.

Reinvestigation of Disputed Information ( FCRA Section 1681i ) : Under Section 611 ( 15 U.S.C. 1681i ), I have the right to request a reinvestigation of any information I believe to be incorrect or inaccurate on my credit report. I demand that you review and correct this information immediately. 

Removal of Inaccurate/Invalidated Credit Information ( 15 U.S. Code 1681i ( 5 ) ) : As per Section 611 ( 5 ) of the FCRA, if, after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or can not be verified, the consumer reporting agency shall promptly delete such information from the consumers file.

Responsibilities of Information Providers ( FCRA Section 1681s-2 ) : Under Section 623 ( 15 U.S.C. 1681s-2 ), information providers must ensure the accuracy and completeness of the information reported. The inclusion of this incorrect charge-off information represents a clear violation of this section.

Compliance with Accuracy Procedures ( FCRA Section 1681e ) : According to Section 607 ( 15 U.S.C. 1681e ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in credit reports. The inclusion of this inaccurate charge-off indicates that these procedures have not been followed.

Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information. 


I demand that this inaccurate information be removed from my credit report immediately. I am enclosing a copy of my credit report highlighting the disputed information.
Product: Credit card

On XXXX XXXX, 2015, XXXX payments posted onto my Capital One credit card. I only authorized XXXX of these payments. After speaking with XXXX, a manager, on XXXX XXXX, she stated that they would go ahead and perform an expedited funds transfer back to my payment account for XXXX of the payments. This transfer was to take 2-3 business days. I confirmed that this request was put in when I called back on XXXX XXXX and spoke with XXXX, another account supervisor. She assured me that the funds would be in my payment account no later than XXXX XXXX. It has now been four business days ( XXXX XXXX ) since the request has been submitted. The funds have not been transferred and the payment has yet to be reversed off the credit card account. My financial institution clears all incoming ACHs around XXXX EST. When I called Capital One on the morning of XXXX XXXX they stated that there are no account supervisors to further discuss the delay in these funds being transferred. Once again I confirmed the timeframe of 2-3 business days and she said I was correct. XXXX XXXX is a federal holiday and then the weekend follows, which will further delay these funds being transferred since there are very limited kinds of ACHs that may or may not clear on these days. I was told to call back in a few hours when an account supervisor will be available to assist me since the regular customer service representatives have no further information to pass along. I received the normal apology and empathy from the representative that all customer service reps are trained to display, but received no further information than the payment was still applied to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Debt collection

I am filing this grievance as Ive exhausted all options with regards to the collection with Credit Management for account XXXX. I found out about this debt from having my credit pulled while attempting to purchase a home. Upon further research this is for an address and state that I have never lived in or resided at as it was a relative. I am NOT responsible for a debt due to lineage affiliation. No agreement has been presented or provided with my signature to prove that I accepted liability by opening services. Due to erroneous collection tactics this collection must be removed from XXXX, XXXX XXXX XXXX post haste to restore my credit standing so that this collection is no longer impacting my credit stating with the bureaus and loan contract. Your prompt attention to this matter is appreciated. 


CC : FCC, CA Attorney Generals Office, XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received Credit alert that Bank of America was processing a credit card application. However I have not applied for XXXX. This is fraudulent activity.
Product: Credit reporting or other personal consumer reports

I have sent certified letters out to the credit bureau and the companies on credit report as well as contacted them numerous of times with no validation from either parties within the allotted time frame.
Product: Checking or savings account

On XX/XX/2022 I deposited a XXXX XXXX money order for {$30.00}. However the money was returned and Unpaid and -Code paper XXXX I was was additionally charged {$12.00} check return fee totalling {$42.00} in money that I an unable to recoup as a result of Wells Fargo Fraudulent business practices. 

Furthermore, customer service advised that the money order would be return, however as of today 's date that has yet to occur. Due to the fraudulent business practices of Well Fargo and stealing money they did not legally obtain, this would equate to theft of {$42.00} of my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one used my personal information obtain credit from, XXXX XXXX  XXXX XXXX  XXXX XXXX, obtained by someone who stolen my identity, Fraud account
Product: Credit reporting or other personal consumer reports

delete these hard inquirie XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>