23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I received a letter from my city stating that we had missed a tax payment that was due XXXX XXXXXX/XX/XXXX. The letter stated that if this payment isnt made by XX/XX/XXXX a lean would be put on my house. Upon receiving this letter I reviewed my mortgage statements to find that money had been taken out of my escrow on XX/XX/XXXX and had been paid to City Tax. I immediately contacted United Wholesale Mortgage ( my mortgage company ) to inform them of the situation and requesting information about where my money had gone. They informed me that they were creating a request to have this looked into but that they did not know where the money had gone. The next day I contacted the city to confirm that they had not received anything from my mortgage company but they would let me know as soon as possible if they receive any updates. I proceeded to follow up with UWM over the course of the month requesting updates, each time being told no progress had been made but the request had been escalated and I should hear back in roughly 2 days. I never heard back. I never received any updates. Until XX/XX/XXXX when I received an automated notification that a tax payment had been made out of my escrow causing my escrow to go negative. However there are no documents listed in my account stating that this payment has been made. No one informed me that a payment was going to be made or who that payment was being made to.
Product: Credit card or prepaid card

The bank took over my account without my knowledge and or notice and never sent out a replacement card. I contacted my previous institution to pay my statement when I was notified of the new bank. After contacting the new bank I was then told my that the new card and any details of my account would be in on XX/XX/22. After calling again and demanding my card and account information, I was told that I would have to pay a fee to get the information sent to me. I told them that I will be contacting the attorney general 's office over the issue since they are scamming me and they didn't care too much.
Product: Credit card

A property has an insurance for flood that is paid by the escrow account from the bank. 
I asked for an estimate from another co XXXX, they asked me for the credit card and charged {$1000.00} that was not authorized, since it was already paid to XXXX ( XXXX ) which had the policy from the previous years, and paid from the escrow account as before. 
I had tried to reverse the charge for several months without success with the Chase Card, despite explanations and papers send to them, they do not do it. What is a misappropriation of funds by Chase and XXXX XXXX, plus Chase benefits for charging, illegal interest since the charge is disputed and not valid. The property has already the XXXX insurance. XXXX XXXX and Chase should be held liable individually, jointly and in severality for misappropriation of funds.
Product: Consumer Loan

I applied for an installment loan through Rise credit when I was in a desperate financial situation and I am unable to pay back the loan in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent A complaint to remove or block these listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,
Product: Student loan

Today, XX/XX/, I sat on hold with Nelnet for approximately 2 full hours before an agent even answered my call. When he finally answered, I inquired about why my payments are being applied 100 % to interest and not principal. He advised me that he did not know why and that that should not be happening. I also inquired about my interest rate being higher. He placed me on hold again for approximately 10 minutes and the line went dead, ON THEIR END.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Dept of Education and Nelnet are reporting on my credit report as 20 separate loans. Essentially they are double reporting and the account is labeled as closed. I have sent 4 separate letters and received no proof that I requested. I requested my original signing document and proof of a write off. I have received nothing and this has been going on for 3 years. The accounts have been double reported for 2 to 3 years as well on all 3 credit reports/bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. DPT EDXXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX $ XXXX XXXX XXXX   XXXX {$110.00} XXXX XXXX {$84.00} XXXX/XXXXE XXXX {$580.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$68000.00} XXXX XXXX XXXX {$2000.00}
Product: Checking or savings account

I recently had my bank account closed for depositing two checks that was sent to me by the company I recently got hired to work from home. And the bank ( capital one ) doesnt want to resolve the issue. If it check was fraudulent I was not aware of this. I would like for the bank to open my account. Again please.
Product: Money transfer, virtual currency, or money service

SquareXXXX has permanently deactivated my account and is with holding funds for 90 days without any explanation.
Product: Credit card or prepaid card

I have tried to get a hold of Capital One customer service inability to investigate a FRAUD have let me no option other than to contact the Department of Consumer Affairs and Federal Trade Commission. 

I sent to client who provided the shipper by USPS and delivered two day before purchasing let me wonder how did Capital One refused to provide me FULL CREDIT. No one from seller has responded to my emails and your employees have no clue who the CEO from Capital One is. The letter Capital One just sent me dated XX/XX/2021 with case # XXXX with XXXX tracking number is NOT even recognize by XXXX. XXXX has confirmed to me this is NOT a track number to me. So, Capital One did not even bother to contact XXXX or USPS even when I provided all this info and capital one customer service employees have no clue how to handle this FRAUD. 
I spoke with so many people at their customer service and refused to provide me an email address, however capital one sends me so many emails but I can't reply to them, why?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXX XXXX 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 an account without my written instructions.

This is a fraudulent account, I did not have any contact with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit card or prepaid card

I called Amazon today. This was the 3rd time. Customer service clearly said it is a problem with their " system '', and that I needed to talk to the department that changes mobile phone information in its system. Amazon had an old mobile phone number that did not allow me to purchase, log in, close account or do anything with my account. Now the Amazon credit card associated with the account does not work. 

Finally, XXXX in the Change Phone Number department, said she can not help me. That she can not change the mobile number not close the account. However I stated that you realize there is an App account associated with a bad account and that it needs to be deleted? She said there is nothing she can do. Then I asked her to close my account as I feel it is a security issue. She said she can not do that. 

In conclusion XXXX suggested I contact XXXX XXXX the owner of Amazon. I find this highly abnormal for a company to suggest. 

Please help.
Product: Debt collection

I.C. Systems is reporting on my CR, fraudulently. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with I.C. Systems or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with I.C. Systems. I have yet to witness a " wet ink '' signature between myself and I.C. Systems. nor have I ever received a True Bill in commerce in regards to this account. I.C. Systems has levied and/or trespassed upon Me, the living woman, without due cause. There is NO valid contract.
Product: Debt collection

I was informed that I had a previous debt with XXXX and I was resolved to pay it off since it was a small amount but then I thought the bill was not mine so why should I pay it. I filed a complaint and requested that they send me a final bill so I can rectify the bill while all along I had no intentions of paying a bill that was not mine this bill was at an address I never lived at and plus at the same time I was living at another address.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS HAVE BEEN FLAGGED WITHIN MY EXPERIAN CONSUMER CREDIT REPORT XX/XX/XXXX {$6200.00} CHARGE OFF XXXX XXXX XX/XX/XXXX {$230.00} CHARGE OFF XXXX XXXX XXXX XX/XX/XXXX {$330.00} CHARGE OFF XXXX XXXX XXXX XX/XX/XXXX  {$300.00} CHARGE OFF XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXX INQUIRING DATE XX/XX/XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. 
Equifax removed credit transaction ( XXXX ) from my consumer report but left a furnished account that says below : ( XXXX XXXX XXXX ) The remaining credit reporting agencies have not removed this account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian I sent proof XXXX XXXX that my payment for XXXX was XX/XX/22 not late. And they want update my information.
Product: Debt collection

I just learned today that the debt collection agency XXXX XXXX XXXX on behalf of Bank of America telephoned my wife in late XXXX XXXX. The collector harassed my wife to the point that she felt forced to pay {$50.00} on the account and has done this in years past to re-age the account. The account is not my wife 's account. It is my account. I never gave my wife authority to pay anything on the account or on behalf. The account is out of statute. Back in XX/XX/XXXX my XXXX son XXXX for months on end. I have not, personally, paid on the Bank of America account for over 5 years. I know the collection of the account is out of statute. Here in Pennsylvania the statute of limitations is four years. I believe it is an unlawful collection practice by XXXX XXXX XXXX to hound a non card holder to make a nominal {$50.00} payment in an attempt to revive the statute of limitations -or any other amount. I believe that XXXX XXXX XXXX should return to my wife the recent {$50.00} payment that they procured by fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last ( XX/XX/2022 ) that you need my updated email address which is XXXX. When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below and DELETE instantly from my file : XXXX XXXX XXXX  XXXX
Product: Payday loan, title loan, or personal loan

I have experienced financial problems due to Covid. I reached out to company called XXXX XXXX XXXX to  settle my debts. Mypaydayloan.com has absolutely refused to work with me or XXXX  XXXX. I told them repeatedly I could not afford the payment arrangements they offered me. XXXX XXXX XXXX  has also had no luck with these people. Today I got a letter from XXXX a collection agency. The amount it says I owe is triple the amount of the last email contact I had with them. I told them the payments were 2 high. They ceased communication and turned me over to collections. This company needs to be put out of business. They will not work with anyone. I dont care what they tell you.
Product: Vehicle loan or lease

I acquired a car with Prestiage Auto Loan on XX/XX/year>XXXX  and even though they did not fully provide the information about interest rates, simple interest, and how the interest is accrued. For example, they stated that the first payment was not due until XX/XX/year>. When I was trying to figure out what the best payment was I reached out to customer service several times trying to get an answer. It was not until the 4 call that I was told that the interest from the payment made in XXXX was paying for interest accruing from XXXX. Therefore, meaning that any payment I was making was paying for the interest for the previous month, you could never get ahead. 

More recently I called today XX/XX/year>XXXX  since I have been making payments since XX/XX/year>XXXX  every week and it being the middle of XXXX, I did not see any payment being made on my credit reports which should have been reported by now. I asked them two simple questions 1 ) Do they report to the credit bureaus? 2 ) when might they report to the credit bureaus? After getting the run around from customer service to collections. only to be told they could not answer those questions and they did not know anyone in the company who could answer that question for me. 

This leads me to believe that they do not report to the credit bureau since they were saying they would try to find someone who could answer the question for me. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and that they are predatory lenders.
Product: Credit card or prepaid card

Citi Group has made a decision to end its business relation with companies that engage in the manufacture, and or distribution of firearms and or firearm components that Citi Group has arbitrarily decided do not serve a legitimate public interest. As a client of said company and a tax payer, my resources are used to support Citi Group entities through FDIC and other safeguards where public and private money is used to benefit the interests of Citi Group. Citi Group, as a business entity which is the benefactor of public resources, should not be attempting to implement public policy. It should not engage in the practice of strong arming clients who are engaged in lawful, and Constitutionally protected commerce.
Product: Mortgage

I have had the bank mis applying principal payments called them over and over. 
Then they take off the principal payments and hold monies is some side account. 
I make the payment correctly they don't apply principal payments. Right now i have about XXXX USD not applied to my mortgage and they have my money. 
I can see where it is. The customer service people dont know. Then they put me on hold and never come back or hang up on me. 
They reply to these complaints but they are not correct. Just because they say they are lying. 
I am frustrated. I have been paying on this account just to get rid of the on going headache. 
They are breaking the law. I will seek out a lawyer. 
this is on-going.
Product: Credit reporting or other personal consumer reports

Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the Equifax data breach identity theft. All is being investigated by the FTC, According to FCRA XXXX this information must be blocked immediately until the investigationover. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I got a loan with XXXX XXXX in XXXX and now it has been absorbed by XXXX Bank. I do not have any active accounts with XXXX Bank. The debt was purchased more than one time and now Credit Corp Solutions has filed a lawsuit against me. Credit Corp Solutions is a successor-in-interest and the lawsuit originated in Utah. It also states that the debt was acquired on XXXX XXXX. This account was not opened in XXXX of XXXX.
Product: Prepaid card

The online account assess system will no longer accept login names that contain special characters. My login I've used for many years has a character in it. For 6 weeks I have been calling to get the issue resolved. They keep saying that others are having the issue and IT is working on it. I asked that they request to have my login information deleted so I can create a new one since doing so now prompts the system to state that there is already login information on file for the account. I need to get online so I can access XXXX. The payee I have does not accept debit card payments. 

All of the calls I have made has never prompted anyone from US Bank to call or email me. I just keep calling back, to no avail. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX : Account Number:XXXX  : Balance : {$280.00} Account Name : XXXX : Account Number : XXXX : Balance : {$520.00} Account Name : XXXX : Account Number : XXXX : Balance : {$800.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX ) : Account Number : XXXX : Balance : {$1100.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
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 : XXXX XXXX Account Number : XXXX and list of Inquiries XXXX 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 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 or prepaid card

On XX/XX/3020 Bluebird by Amex shut my card down because of section 22d if there services agreement. I cant get my money. How do I get them to return my funds? I have a XXXX dollar balance. My social security benefit is directly deposited into the card.
Product: Debt or credit management

on XX/XX/year> I settled to pay {$330.00} for pay & delete ... and still have a remaining of {$120.00}