23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The servicing of my mortgage loan has been transferred several times now, resulting in voided agreements and financial hardship. 

I received an " Annual Escrow Account Disclosure Statement '' with an " Analysis Date '' of XX/XX/XXXX by XXXX XXXX  notifying me that there was an escrow surplus and an " Escrow Refund '' check was mailed to me for {$3400.00}. I called XXXX XXXX  and I was assured that the money was mine and free to use so I used it for other living expenses. About a year later, I receive an " Escrow Account Disclosure Statement '' with a " Statement Date '' of XX/XX/XXXX by XXXX XXXX  that there was now an escrow shortage of {$6600.00}. XXXX XXXX  had used wrong data to calculate the projections of my escrow account, which resulted in a significant shortage. I then I receive another " Escrow Account Disclosure Statement '' with a " Statement Date '' of XX/XX/XXXX by XXXX XXXX  that there was now an escrow shortage of {$6600.00}, then I receive another " Escrow Account Disclosure Statement '' with a " Statement Date '' of XX/XX/XXXX by XXXX XXXX  that there was now an escrow shortage of {$6400.00}. The loan was transferred to my current mortgage company Flagstar Bank and the shortage continues along with voided agreements made between XXXX XXXX  and I, in which XXXX XXXX  allowed me to spread and pay the escrow shortage with no interest, penalties, or fees in a period of 36 or more months. Flagstar Bank ran their own analysis and continued to see the shortage and offered me 36 or more months but voided the previous agreement between XXXX XXXX and I. 

My monthly mortgage statement ( including principal, interest, and escrow - taxes and insurance ) started at {$900.00} a month, then it dropped to {$760.00} a month ( due XX/XX/XXXX ), then it went up to {$1500.00} ( due XX/XX/XXXX ) a month, then it dropped to {$1100.00} a month ( due XX/XX/XXXX ), then it went up to {$1200.00} ( due XX/XX/XXXX ) a month, then it went up to {$1600.00} ( due XX/XX/XXXX ) a month, and now it went down to {$1300.00} ( due XX/XX/XXXX ) a month. I am having a very difficult time paying this as a result of an escrow shortage that resulted from an escrow surplus that was clearly an error on behalf of the mortgage company which is now causing me adverse financial hardship. My monthly mortgage statement has increased 49 % since my first mortgage statement of {$900.00}. How is this even allowed? Are these not predatory practices? 

I called Flagstar Bank regarding my escrow account as there has been an escrow shortage originating from a previous mortgage lender in which I was granted an extension of 36 or more months and Flagstar Bank voided the 36 or more months agreement and tacked on the new shortage.
Product: Consumer Loan

My complaint involves having to pay a personal property tax on my leased vehicle each year. I feel that this is unfair since I drive my leased car for pleasure only. I am retired and do not use the car for any business purposes, now or in the past. I 've been leasing since XX/XX/XXXX and on my third lease from Toyota Financial. I have been told that the tax office of XXXX County or the City of XXXX charges Toyota Financial a personal property tax on leased vehicles and Toyota Financial passes the cost on to each customer. At the start of each lease, I signed a notice that stated the vehicle will not be used for the " production of income or activities that involve the production of income. '' I do n't understand why the tax office charges the tax on a vehicle that is not used for the production of income. The most recent bill is for a XXXX Toyota Avalon which I no longer have. I turned this car in for a XXXX Avalon which I 'm now driving and most likely will have to pay another bill for personal property tax this year also. Since TFS paid the tax on my behalf, I suppose I have no choice but to pay them back. I just feel that this is a consumer ripoff. I appreciate any assistance you may be able to provide. Thanks.
Product: Credit reporting or other personal consumer reports

Thank you for taking steps to address the incorrect entries in my credit report arising from supposed fraudulent actions. However, there are still entries that require removal. This is an additional report where I find myself affected by fraud, and I am challenging specific entries in my report that are due to this criminal act. The entries I challenge are not connected to any transactions involving the acquisition of goods, services, or money that I have conducted or authorized. Kindly eliminate any entries in my credit record that stem from supposed fraudulent actions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00}. These entries are unfamiliar to me. Additionally, the information on some entries, already expunged by other bureaus, raises concerns about their accuracy, and the reported payment history on some is unclear to me.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report again, I can still see the inaccurate late payment account that need reporting and correction through your company. The Bureau violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Product: Student loan

I applied for the XXXX repayment plan 3 times. The first 2 times, I was rejected without any explanation. The third time, I did the process entirely over the phone. I was told by the customer service representative that my payment would be {$0.00}, which does match exactly with my research and calculations. 

I received an " IDR Approval '' today, for the incorrect amount ( ~ {$63.00} ). This letter contains no information about which plan I applied for, so it's possible they got the plan itself wrong, not the payment. Either way, this is clearly incorrect and doing this 3 times and still receiving the exact wrong result is unacceptable.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}
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. 

Account Name : GROWCREDIT Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

Pnc bank wants to charge me a fee or percentage when I make a check deposit in to my personal checking account. They wont make your deposit available right away unless you pay their ( legal mafia fee ) which is {$36.00} overdraft fee. I made a deposit yesterday in to my checking account and I cut a check to my landlord and deposit a check to his account. guess what they processed that check immediately but the other check that I deposited to my checking account wasn't processed right away. Is this fair?? This is not " BANKING ''!!!!!
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : CREDIT XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$170.00}. 

Company or Organization : XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$720.00}.
Product: Debt collection

To whom it may concern, Good morning. For the 3rd time now, I am writing in regards to a collections account on my XXXX and XXXX  credit reports from 'Hunter Warfield ' whom I 'm assuming represents 'XXXX XXXX XXXX '.
I never received any documentation on what they are seeking money for but I do know that they have withdrawn their claim multipleb times and it has vanished from my reports.
If it is in regards to a rental agreement, I provided XXXX XXXX with proof of me not getting paid from the veterans affairs and agreed to vacate their premises, WHICH I DID! I also had military and orders that sent me to Iraq. These people call me from time to time and due to our agreement and my military obligations, I could no longer live there. It been nearly 7 years and I 'm despedesperately trying to carry on with my life.
Best Regards XXXX XXXXs
Product: Credit card

I opened and used a Citibank/HomeDepot credit card to have a flooring installed in XXXX. The first installation was done fairly satisfactorily but the second installation was poorly done and damage was done to my home. After several discussions with Home Depot they agreed to refund me the amount paid for the second installation but only if I signed a document releasing them from liability for the damages done to my home. I refused to sign the document and instead filed a dispute with Citibank as the true lender. The amount disputed was {$1400.00} on XX/XX/XXXX which was the entire cost of the botched installation. Citibank responded with a claim that they were denying {$320.00} of the claim. Their reasoning was that returns had been made to the account totaling {$320.00}. I asked them to verify that the returns were all related to the {$1400.00} as I had returned items from other purchases during that time period. They have not provided me with that information. I also asked them to give me a breakdown of my payments made prior to the dispute since they stated that my payments sent in were applied to the {$1400.00} and they have not provided that information either. I informed them during 5 separate phone conversations that I was going to continue to dispute the charges until this information could be verified because what they were claiming I owed from the {$1400.00} did not reflect any of the payments made. During one of the phone conversations, a representative stated to me that I needed to just sign the documents from Home Depot and take the check for {$320.00} from Home Depot to pay Citibank back. I filed a complaint about the statement from the representative but Citibank never reached back out to me regarding this complaint. Now, Citibank has reported me to credit bureaus as making late payments but I have never had late payments filed on me for any credit card with a credit bureau. Prior to the dispute every payment was made on time with Citibank.
Product: Credit card or prepaid card

This account is over a year old, my credit limit is {$4000.00}, my current balance is {$1200.00}. Today my card was declined twice and account is " currently restricted. '' I have never missed a payment and in fact have generally made payments in triple the amount due. My account has never been in arrears or even late. 

Today I called them to ask why my card was declined, they didn't know. Nor could they explain what it says " account restricted '' on the front of my online statement. I don't know what game they're playing here but am fairly certain this is no way to treat customers or run a business. If there isn't a law against this malfeasance, there should be. 

Now I have a useless credit card in my wallet, it is the ONLY credit card I have. The company offers no resolution to a problem they themselves created, nor an answer to any of my questions. I guess it's not enough they charge an outrageous interest rate ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this late payment is a error since Im been paid my credit card on time, I call the company and made couple disputes but Im really cant explain well because I have lenguaje barrier, and this moment Im taking class to change couple barriers and take more controls of my financial life you can see alway be made my payment in time this is error I would like a change to continue with a good perform on my financial
Product: Vehicle loan or lease

I signed a new car lease for a   XXXX    XXXX   XXXX   XXXX  with  XXXX   XXXX  in  XXXX , New Jersey through  GM Financial.  I was promised that my vehicle would contain standard features ( including an illuminated shifter console ) in addition to other add-on features for the LT model. When I received the vehicle after signing the lease, I discovered that the " standard equipment/feature '' that was promised in my vehic le ( a n illuminated shifter console ) was not present in my vehicle.  XXXX   XXXX  and  XXXX  GM  have refused to repair or replace the vehicle to provide me with the features I was promised pursuant to the lease agreement. I have made multiple attempts to resolve the issue and even though  XXXX   XXXX  and  XXXX  GM  acknowledge that this " standard equipment '' was accidentally left out of my   XXXX    XXXX   XXXX   XXXX , they have refused to resolve the issue in any way.  I  continue to pay the lease amount under protest, trying to work toward a resolution where the contract I signed is honored and what I was promised is delivered.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and Ive noticed that I have a fraudulent inquiries reporting on my credit report Im asking that this inaccurate account please be deleted.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an inaccurate credit report data but I still have items left that needed to be removed. I was going through my updated credit report & noticed these items which were opened without my permission were still there. Since Im a stickler for research, under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to erroneous credit report entries. The dispute items were still a mystery to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX  Balance Owed : {$590.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$81.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian Executives, I wanted to let you know about my credit report issue. I have been a victim of identity theft and fraud, and unfortunately, I have been part of XXXX data breaches to date. Recently, I have been working with you and other organizations to get my credit reports and other information back in order. However, I have noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report despite being removed previously. 

I want to emphasize that this account and balance are not mine, and I have already taken the necessary steps to have it removed from my credit report. So, I would appreciate it if you could resolve this issue as soon as possible.

Thank you for your attention to this matter. 

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

XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that reliant was the provider which was on my report. I disputed both the utility and medical but, XXXX violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that XXXX will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, Centrol Control dates are not correct and the bureau is also aware and refused to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX SOC SEC XXXX XXXX XXXX XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Republic Finance has committed multiple FCRA and FDCPA violations by reporting an alleged, invalidated debt on my XXXX, XXXX, and XXXX  consumer reports dated as of XX/XX/2021. I have sent documentation showing proof of this inaccurate account that they have listed along with proof of Republic Finance violations via regular mail and via electronically. Republic Finance was already in violation specifically of 15 USC 1692, 15 USC 1681, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information to XXXX, XXXX, and XXXX.