23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Refinanced home in XX/XX/XXXX while being promised a XXXX % received a negative amortization. Since payments were not affordable, ( rising from {$590.00} to {$1300.00} to {$1600.00} to {$3600.00} t0 {$4400.00} and so on ; I was granted by the lender a modification at XXXX % through their retention and modification department and further they said that if I added my children to the property, it would better protect me ; 8 month later they accelerated the mortgage because an unqualified banker did my modification. It was prepared by the bank on XX/XX/XXXX and recorded in XX/XX/XXXX. 
I hired Attorney XXXX - He used the more unconventional form of non litigious behavior with the bank, upon a hearing and a modification request 5 years later ; to no avail Enter attorney XXXX and gets paid XXXX for what I discovered to be a " skeleton Bankruptcy- Case is dismissed in Court Enter attorney for a family members of mine, co owner of property with kids and I and files his own personal bankruptcy, for his homestead Enter XXXX XXXX was hired to fight the foreclosure and get a modification. On XX/XX/XXXX, he goes to court without my consent and signs off my rights to my home ; I called him and told him I would be filing a bar complaint that where were my modification papers ; answer lost He sent {$1000.00} withdrew from the case and left me hanging In walks XXXX to do the Bankruptcy Chapter XXXX, XXXX motion for stay not filed I do not know why, takes home out of bankruptcy, and sends Chapter XXXX papers that represent the wrong figures Enter Foreclosure Sale Date : XX/XX/XXXX
Product: Debt collection

THIS ACCOUNT HAS NO RELATION TO ME AND NEEDS TO BE REMOVED and DELETED FROM MY CREDIT REPORT INSTANTLY. Collection agency is IN VIOLATION OF FCRA SEC 809, IN WHICH YOU HAVE COLLECTED INACCURATE AND INCORRECT LOCATION DATA. I DID NOT LEGALLY SIGN CONSENT FOR YOU, XXXX XXXX OR ANY DEBT TO BE SOLD TO ANOTHER CREDITOR OR DEBT COLLECTOR ..You are not the original creditor, and harassing me at my work place will cease this instant. Remove and delete this uncollectable account from my report. 
SEC.807.FALSE OR MISLEADING REPRESENTATIONS Portfolio Recovery Associates is not the Original creditor of this account nor was i informed that debt was purchased by third party who i did not legally do business with and request the legal " Consumer contract '' bearing my wet signature from the original creditor validating this claim. In addition, please provide copies of accounts complete payment history from open to close, interest rate agreement between you and original creditor relating to the sale of this debt and the accurate GPS location data for time and purchase of the debt or remove the inaccurately reported item from my report or i will continue to use all resources available to me to ensure you pay for the negative impact you are having on my current credit report.
Product: Debt collection

the company is charging me {$97.00} in collection fee plus my original fee from the hospital. I received a call from the collections company on XX/XX/2019. I asked about the XXXX fee and told them it was XXXX. He said it was part of their fees and didn't like my language.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX The Credit bureaus stated my account was properly investigated but how is that possible if the status was updated. This account was charged off on the following date XX/XX/XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account in accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX balance XXXX XXXX XXXX Balance {$640.00} Everything has to be 100 % accurate on my credit report.

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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called XXXX, transunion and XXXX to try and get some if not all of my hard inquiries removed because I did not recognize or authorize more than half of the inquiries listed on my report. It has been an issue for awhile now, and I have been trying to raise my credit score for months but it is dragging the score down drastically. In the past year there has been multiple hard pulls on my credit that I have not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called this company multiple times and have never received an answer. I have paid my collection in full and the account is closed and has been for over 2 years.
Product: Bank account or service

XX/XX/XXXX, I received in the mail an offer from Discover bank to open a checking account and link direct deposits to receive a welcome bonus of {$300.00}. I submitted the application online using the promotion code and supplied information to fund a new account from an existing checking account with another bank. I noticed after a couple weeks that I did not receive any follow-up communications from Discover nor had my initial deposit been taken from existing checking account to fund this new account. I contacted Discover 's customer service and after researching they realized they had a system error when it came to verifying my name. I was told I could reapply even though it was outside the offer period, but that notes would be included in my profile to give me the welcome bonus once I satisfied the direct deposit requirements. I did satisfy those requirements, and confirmed it with customer service in XX/XX/XXXX, and again in XXXX 2016. I was told by customer service I had completed the requirements and that communication would be sent to their rewards dept to send me the bonus. Last week upon inquiring again the status of this bonus, I was told by their rewards dept that I didnt meet the requirements because I opened the account outside the offer window. This goes in direct contrast to what was explained to me when I resubmitted the application so they could correct their error and again when I confirmed I had satisfied the requirements. Had they told me months ago that they could not honor their offer then I would never have gone through the hassle of setting up a new account and linking my direct deposits.
Product: Credit reporting or other personal consumer reports

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

I told Experian, XXXX, and XXXX to reinvestigate this accounts : Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Payday loan, title loan, personal loan, or advance loan

Hello Sir/Madam, AMEX freezed my line of credit and claimed that my both payments on XX/XX/2023 to the two credit card were not went throught and returned because there is no balance from my account of XXXX XXXX XXXXXXXX . In fact, I did have enough balance in my account and they deducted again on XX/XX/. After the payments made, they put my account on hold and remarked my payment didn't go through. Freeze my credit of line. 

I tried to solve the issue with American Express customer service and they still put last payments were returned on Tue XX/XX/XXXX  and could not be processed. Please contact your bank or account manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report i realized on  X/XX/2017    AMERICREDIT  FINANCIAL  reviewed my credit without my knowlege or consent.I contacted them twice asking that the inquiry be removed and or send me the documentation with my signature and personal information that was used.They did not comply.
Product: Checking or savings account

I visited a Citizens Bank branch in RI in XXXX of this year. I spoke to a male representative about fees on a business account I was not using. He also advised me to call the customer service number on the back of my card to get the fees removed. About XXXX weeks later, I received a fraud alert email from the bank for suspicious activities. I noticed small unauthorized debit transactions in my savings account and called the bank to report it. On XX/XX/year>, I learned that my personal information from Citizens Bank was used to open another savings account at XXXX XXXX XXXX XXXX. I noticed an unauthorized ACH transfer of {$9500.00} from my savings account to XXXX XXXX. I called Citizens Bank immediately to report it, and the next day I went to the branch in XXXX XXXX XXXX. However, I noticed the person who spoke to me needed more knowledge to address the situation. The men should've called the fraud department then ; but failed to do so. He told me the bank would investigate the case, which could take 4-8 business days, but they still need to look into it. A couple of days later, I called the fraud department to see the status of my case, and a representative told me the case was closed and resolved. The case shouldn't be closed, because the case was not resolved, and the funds were not back in my account. He made a report and gave me another case number. However, on XX/XX/XXXX, at XXXX pm, I called XXXX XXXX to ask them about the unauthorized transfer. They found the account under my name, and the funds were there. I asked them to return the funds ; because I had not opened or authorized a new account They told me they would call Citizens Bank to reverse the funds, and they did. Overall, I noticed a lot of abnormalities from Citizens Bank 's handling of the situation. First, when I called to report suspicious activities regarding a small debit on my account, they stopped sending me further fraud alert messages. After I recovered the funds for {$9500.00}, I took them out of the account and closed it. Yet, when I checked another branch, the account was still open. I tried to close the account several times but it reopened again because someone was still trying to verify the account with XXXX. Due to the closeness of these interactions, I believe that my personal information was stolen from someone within the Citizens Bank. I think that was an employee with whom I got in contact when I asked to remove some fees from my business account because no one had information on my savings routing or account number. Another fact is, that other representatives from the bank confirmed that there were no traces or evidence that online banking was compromised. I've been getting letters with inquiries I didn't make. Another incident is now a {$400.00} and {$260.00} charge to my checking account through XXXX XXXX on the XXXX and XXXX of XXXX of this year. I didn't authorize these transactions, but the bank did without my knowledge. Fraud report #
Product: Credit reporting or other personal consumer reports

XXXX violating 15usc1681eb $ XXXX {$5000.00} theyre reporting inaccurate high credit, inaccurate last date active, inaccurate last reported dates. They illegally charged it off without sending me a 1099c I requested 1099c and they denied me one.i would like to request one now. 

XXXX XXXX XXXX XXXX XXXX violating 15usc1681eb. Theyre reporting inaccurate date opened, inaccurate high credit {$11000.00}, inaccurate last reported dates, inaccurate last date active. 

XXXX XXXX  is violating 15usc1681eb they are reporting inaccurate last date active, inaccurate high credit {$1400.00}, inaccurate last reported dates, they charged it off without sending me an 1099c. 

XXXX XXXX XXXX violated 15usc681eb they also credited this as a charge off and never sent me a 1099c, theyre reporting inaccurate last reported dates, inaccurate high credit balances, inaccurate balances, inaccurate dates opened
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter.

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : 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 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 If you fail to respond promptly, I will pursue legal action XXXX seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Product: Mortgage

Better.com has a price match offer on mortgage rates and closing costs. Please the page below for the " fine print '' ( attached as well, in case they update it with " exclusions '' ). 
https : //better.com/faq/better-guarantee/whats-the-fine-print Unfortunately, the fine print does not mention exclusions, which after working with a loan officer privately, mentioned the loan estimate I presented, which I was told they could not beat the offer, added that my estimate is ineligible for the price guarantee.
Product: Debt collection

I received a letter/statement from Chrysler Capital on XX/XX/XXXX stating recurring payments have been disabled and to contact them at XXXX. My account is ten days delinquent. Also stating that I have no valid working phone number ( but I have had the same phone number since XX/XX/XXXX ). The statement said that the principal balance is {$240.00} and pay off is {$240.00}. Every single payment to them was made on time with no problems from my bank. I did not shut down the auto payment and neither did my bank. Chrysler Capital admitted to me that it was them that cancelled the autopay when I talked to them on the phone. I looked forward to that last payment and was glad to have it done or so I thought. I bought another vehicle on the same day from another dealership with a different loan company. I now have title in hand for it with a very nice farewell note. I am still fighting these people and have no clue why. In talking to their representative, her name being XXXX, I was told that I had to send them {$240.00} within ten days or they would report me for debt collection and report me to credit bureaus. I sent the check in that day in the exact amount that they demanded. On XX/XX/XXXX I received another letter from Chrysler Capital stating that they appreciate my payment. However the payment did not satisfy the entire balance on my account leaving a remaining balance. On the date of the letter, my remaining balance is {$11.00} and is good until XX/XX/XXXX. If I do not send the amount in by that time my balance may change if remainder is not sent. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ( in bold caps ) My question is do I have basis for complaint? If I send this new amount, can they just keep tagging on debt and it will never end? Where is my wrong in this or my mistake? I promise you that I was not once late on a payment to Chrysler Capital. 
This is very stressful especially at this time since I have been quite ill for several weeks. Please help me. I know it is not a huge money amount but it is wrong in every way to me and I feel it should be illegal. Will it ever end? How can I make it end? 
I have copies of the letters they sent to me. 
First letter has my account number as XXXX and second letter has my account number as XXXX. How can this be? 

Thank You! 
XXXX Please contact me at your convenience.
Product: Money transfer, virtual currency, or money service

My account is permanently restricted/blocked by paypal. 
I don't know why this happened, I didn't do anything, I didn't do anything like fraud, I just used paypal as a place to receive/pay money from clients. 
And paypal often ask questions about my business, I answer honestly, and send files/documents/id cards truthfully. XXXX XXXX XXXX XXXX XXXX XXXX who buys and sells goods in the form of files. and after explaining about the information, my account became like this. 
I ask for your help, I hope my account can be opened soon, because I need money. 

Account blocking date : XX/XX/2022 Remaining balance : XXXX USD $ Thank you
Product: Credit card

Per the attached, I receive Rewards when using my Best Buy Credit Card. These REWARDS are for CREDIT CARD Purchases. It shows I have {$45.00} or {$50.00}, depending on where you look. I went to redeem 2000 of the XXXX points for a XXXX gift card and it says it is 2000 points yet it says I don't have enough points. I called XXXX credit card, they refer me to Rewards. Rewards say this is a credit promo. Either way, I wany my Rewards. I have spent over {$1300.00} and want my rewards before they expire. This is ALWAYS an issue with Best Buy. I want a XXXX gift card, NOT Best Buy
Product: Mortgage

My wife and I closed on a second home in XXXX, Texas on XX/XX/2020, with Guaranteed Rate , Inc. The dwelling structure is not in a flood plain. However, part of the backyard is in a flood plain. I have emails from two different employees at Guaranteed Rate, stating that flood insurance was not required since the dwelling structure was outside of the flood plain. 

Now, 6 weeks later, Guaranteed Rate, is demanding that I purchase flood insurance or else they will purchase a policy for me. I contacted their Customer Service Department, by phone, and spoke with a person named XXXX. XXXX basically told me there was nothing she could do, that I needed to contact my insurance agent and/or XXXX to see if the flood map had changed since closing. It has not changed. 

There was no closing instructions requiring a flood insurance policy. In fact, in the notes of the Standard Flood Hazard Determination Form attached, it specifically states that flood insurance is no longer required. I think it is dishonest and may violate RESPA because my closing costs will change dramatically due to Guaranteed Rate unilaterally changing the terms of our contract. 

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

In XXXX, I disputed an account on my credit report with XXXX XXXX as I was a victim of identity theft. Upon XXXX  XXXX doing their own investigation, I received a letter in the mail dated XX/XX/XXXX indicating that they looked into my claim and found that the account in fact was fraudulent and also indicated that a request would be sent to XXXX, Equifax, XXXX  and XXXX to delete this account from my credit file. 

XXXX XXXX did exactly that and everything was as it should be until XX/XX/XXXX when suddenly a third-party collector, XXXX XXXX XXXX reported this same account to all three major credit bureaus, and it showed up as an unpaid derogatory and collection account. 

First and foremost, I never had any association with this company whatsoever. Secondly, how did they even obtain my personal information, and thirdly and most importantly, I still have possession of the letter directly from XXXX XXXX on their letterhead regarding this matter which they indicated the account was fraudulent and then subsequently requested the removal of this account from my credit file to no longer negatively impacting my creditworthiness. 

I truly value my credit and manage it very well, so I find it appalling that XXXX  XXXX would sell my information even after this matter was resolved in XX/XX/XXXX and this third-party company would try to coerce me into paying them money that I DO NOT owe them. What is most bothersome in this entire matter is the fact that XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX and acknowledged my dispute and stated that they are awaiting to receive additional documents from the seller! Their words not mine. They paid for my information and admitted to it. Additionally, the same letter indicates in the interim they initiated a request that the three major credit reporting agencies delete this referenced account. 

Well why would XXXX XXXX XXXX proceed to have the account deleted if in fact I owed them any money at all which I clearly do not? Is this an attempt for them to clean up an oops on their part and cover their tracks because I should have never had to experience this egregious error causing unwarranted anguish by sabotaging my credit as if I'm guilty until proven innocent. 

To date, this account has already been removed from XXXX  and XXXX  but not Equifax. I corresponded with Equifax directly about this matter and was told they're unable to remove the account despite the fact that I have written proof that should easily remove it just as it was removed from the two other major credit bureaus already. 

With all of that in mind, your assistance with a swift resolution to this very upsetting matter will be greatly appreciated.