23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Citizens Bank has the most incompetent escrow department of any lender. Each of the past 3 years, Citizens has failed as an escrow agent to properly pay my homeowners insurance. The payment is due XXXX XXXX each year. Their website reflects the appropriate policy information. But they fail to remit payment appropriately each year. This year, Citizens remitted payment to the insurance company for $XXXX,XXXX on XXXX XXXX. On XXXX XXXX I called the insurance company to confirm receipt and they indicated no payment received. To prevent policy cancelation, I paid the premium from my personal funds. I called Citizens to begin the escrow refund process.One month later, after several additional calls to Citizens, they confirmed their payment was not processed and indicated they would refund my escrow account. Instead, on XXXX XXXX they processed ANOTHER payment. On XXXX XXXX   they finally issues a credit... but only one, not two. Net effect, no refund to me. After another month, several calls and emails, Citizens most recent email response to me on XXXX XXXX was "you were issued a credit on XXXX XXXX". I have asked for several months that this error be corrected. I have walked the representatives through in very detailed fashion. The representatives are generally cordial and listen but no one has actually properly resolved a material financial error. I would like my $XXXX,XXXX back immediately plus accrued interest and compensation for the several hours I have had to expend trying to resolve their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I put a freeze on my EQUIFAX credit report while XXXX XXXX doing a FRAUD INVESTIGATION due to some accounts/credit cards that was open with my personal information without my authaurization, after the investigation was complete I faxed over a copy of the police report to all 3 credit bureau, transunion and experian did there due diligence and remove the FRAUDERLANT account/credit, when I came to EQUIFAX, they took more than 30 days to get anything done, and they also allow two of the FRAUDERLANT company to go in my credit report to view my report after putting a freeze on my report, EQUIFAX never did any type of INVESTIGATION, I was told that the way XXXX XXXX  XXXX and XXXX XXXX was able to verify the account was by saying that my social security number, name and date of birth matches, and that's the way they was able to verify, that is not verification, I asked EQUIFAX to send me a copy of the written agreement with my physical signature, EQUIFAX said that the creditors did not provide them with that's INFORMATION, so how is it the creditor able to verify, my information was also stolen in XX/XX/XXXXand someone even file tax with my personal information, and was also part of the EQUIFAX data breach, and provide d a police report to all three credit bureau. But EQUIFAX did not do there due diligence.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Experian : 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a letter notice of debt collections. 
As I was looking through the letter for ways to dispute the debt and ask for verification and proof of it, I noticed they said " We accept disputes electronically at www.ccspayment.com. '' As I went to look, there is absolutely NO way to dispute it online. They have a shady, bare bones website and it doesn't seem legitimate at all even though I could log in to see the debt. 

They just lied about that. Kinda scummy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to all involved. My credit file reports that One Main financial has pulled my credit which subsequently gave me an inquiry. I have not worked with one main in a while and feel that while I was recuperating from Covid, my account was susceptible to fraud. I have not requested a loan this year.
Product: Mortgage

XX/XX/23 I contact Rocket Mortgage verify XXXX amount for new small house purchase building. Service rep verify. Then XX/XX/23 I called Rocket Mortgage service financial to get mortgage rates lesser than current mortgage rates and the small loan I could use from equity. XX/XX/23 I was told from Rocket Mortgage service rep not financial services I don't have equity for small house building. I asked for a call back I reported to FTC the harassment service employees give me when I call to verify Acct mortgage status of mortgage payment because money stolen and payments not applied. This does effect my credit score and purchases with credit company and using my credit to do business as XXXX  and personal working.
Product: Mortgage

The company billed me extra {$260.00} last month and they have not provided any explanation why? I do not know what happened to my money as it was not included in payment. I asked them to correct the mistake but they have keep saying they are working on it! I am greeting tired of mistakes of this company and their costumer care. there should be a penalty for such companies who waste people time and money. I wish I was able to change my mortgage company.
Product: Money transfer, virtual currency, or money service

Since XXXX I have not been able to access my account. I sold some crypto and tried to get the money into my bank account. My efforts for the past five months have failed. The support group simply dismiss my complaints. Further to this they Coinbase, have attempted to withdraw XXXX euros from my bank account. Im so glad that my bank blocked my account each time. Surely this is serious FRAUD. Thank you
Product: Mortgage

Hello, In XXXX of XXXX my husband and I purchased our home for $ XXXX and selected XXXX XXXX of XXXX XXXX XXXX/ Celebrity Home Loans as our lender. We agreed to a XXXX loan and planned to put 10 % down, have 80 % in a mortgage and 10 % in a HELOC. However we went to close on the home we were put into a XXXX. We are now in a position of imminent default because so much of our home loan is in an adjustable rate HELOC. We attempted to refinance in XXXX and XXXX of XXXX but the home value came in 20 % lower than the purchase price and we were unsuccessful. I feel strongly that we are victims of a predatory loan, that unfair practices were used to put us in a home loan with 40 % in an adjustable rate HELOC.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company representative from this company informed my that since they received in excess of XXXX by XXXX on my account that I need not send a payment in. I expressed by concern that I had a perfect payment history with them and could not afford to have a derogatory mark posted to my credit report since I am in the midst of having a home built. I was assured that this would not be the case. When they posted the derogatory mark to my credit report, and I called back in to complain, the representative was upset that I was given this information and said this matter could be resolved by someone who has the authority to fix my payment history.
Product: Mortgage

XX/XX/2024 i called flagstaff to resolve a mortgage issue and file for loss mitigation to bring my mortgage current. they sent the packet and i filled it out and sent everything they asked for me to send. all documents. after telling me everything was received they told me weeks later i was missing documents and my time to get them in had expired. i resent the documents and added the information needed. i rewrote a letter they asked for 4 times. they kept asking for the same thing on one form when they could have told me all at once causing all my other documents to expire and therefore causing me to miss the deadline over and over again dragging out the process. I contacted my HUD housing counselor to review all of this going back and forth. He did a conference with Servicer myself and he on the call to review once again information they were requesting after I have just resent once again the same information. The housing counselor state to the servicer he would fax all documents to their loss mitigation department. Requested a fax number XXXX for documents to be sent too. It is noted that I have a copy of the fax 's sent as well as my HUD housing counselor.
Product: Credit reporting or other personal consumer reports

The research team, as well as senior management will not respond to me, but they are purposefully reporting my information falsely to the credit bureaus and doing so with malice. I have disproven their " research '', yet they refuse to correct their mistakes.
Product: Mortgage

This is the XXXX addendum to my XXXX complaint. I returned a call to Wells Fargo, thinking that it was about this complaint. I could n't have been more incorrect. I spoke with XXXX XXXX and was informed that even though I signed all the mortgage documents on XXXX XXXX, now, a month later I still owe them {$640.00} because the title company screwed up the numbers. I was told that I need to call the title company. You can not imagine my level of frustration. To be honest, I am so sick of these banks not being held accountable. 
XXXX they try to take {$2200.00} out of my account that I did n't owe them. Then, they tell me that they had no record of my call to stop the auto payment, then they tell me that I have to call my bank to stop the payment. They then proceed to try and take {$2200.00} out of my account XXXX more times. In the mean time I 've been charged XXXX in overdraft fees and recurring overdraft fees. Oh and by the way, my bank wanted to charge another XXXX for each of the stop payments, which would have been another {$69.00}. Now, this thing about the title company screwing up!! Seems to me that a violation of the Electronic Funds Transfer Act and parts of the Real Estate Settlement Procedures Act occurred here. They keep telling me that I have to fix their mistakes and pay for their mistakes.
Product: Debt collection

I believe the account with CREDIT COLLECTION SERVICES might be questionable. CREDIT COLLECTION SERVICES must verify through a legally binding statement that the claim is valid and devoid of any breaches of agreement, lack of consideration, or significant alterations, ensuring that the original lender received fair value. Additionally, they must confirm that the transfer of the alleged account was conducted in good faith with the consent of all parties involved. If XXXX XXXX XXXX can not furnish this sworn statement, I insist on the removal of the account from both my credit record and their records. CREDIT COLL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2020 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong person hands.
Product: Vehicle loan or lease

Ive asked to have this removed it was paid in full due to a accident but keeps showing up and flagging my account I have sent letters asking for this to be removed thank you XXXX XXXX XXXX
Product: Checking or savings account

Two weeks ago, I could not access my US Bank phone app and received declined notices when trying to pay bills online. At the time, my checking account had a balance of XXXX dollars, and the bills were only a few XXXX dollars. I called the number on the atm card and was rerouted to the fraud protection people. They asked if I had XXXX transferred money. I said yes. They asked to whom and how much. I told them. They asked what your relationship is with the person you sent money to. I told them what difference that made when I sent the money. They are doing design work on a project for me. They then asked, did you try to link your card to an account owned by my girlfriend and me? I told them we had a XXXX XXXX card together, and I was trying to pay the XXXX XXXX bill. Again, they asked what is your relationship with this person. I told them it was none of their business. That this was my money, I will pay whoever I want. It's a checking account, not a loan. He said thank you, and that's all we need. The next day, I still could not get into my account or use my ATM card. I called back to find out what was going on again, and I was sent to fraud. They told me they were closing my account. They would not tell me why or when I would get a letter from the bank along with a cashier 's check. in about three days. After a week, I still had not received my money or letter. I called and was told they could not tell me when I would receive the letter or my balance.

The bank manager said there was nothing she could do and that it was all computers. She felt terrible this was happening. 

It has been 9 days, and still not a word or letter or money. I have bill collectors calling. I have bounced fees, and my credit will be affected.

What recourse do I have?

These were all phone calls they claimed were being recorded. I think this was retaliation for telling this particular person it was none of the bank 's business what my relationship was with the people I was sending money to. He hit some button that has caused all of this.
Product: Credit reporting or other personal consumer reports

My personal information was involved in a data breach. I have many spam calls and reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed immediately. This is causing many difficulties in my life. *please remove all non account holding inquiries over 30 days old * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Tidewater Financial was paid in full on XX/XX/XXXX ( supporting documentation attached ), they continue to send me statements for late fees charged on XX/XX/XXXX compounded by late fees and 29.99 % interest on late fees. They are stating that the account balance is {$380.00} and that amount was never charged on that card.Tidewater Corporate indicated that the account was closed in XX/XX/XXXX at my request, but they continue to bill late fees and interest on a closed account with no principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME/ORIGINAL CREDITOR : XXXX XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE XXXX, REPORTING ON XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX  XXXX XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ONLY ON XXXX  AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX., ACCT # : XXXX REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX/XXXX XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. ACCOUNT NAME : XXXX, ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, ONLY REPORTING ON XXXX AND XXXX.. ACCOUNT NAME : USAA FEDERAL SAVINGS B, ACCT # : XXXX, REPORTING ON XXXX, XXXX AND XXXX   REPORTING XXXX : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX  AND XXXX ACCOUNT NAME : XXXX XXXX XXXX : ACCT # : XXXX, REPORTING DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON XXXX, XXXX AND XXXX. 

FOR INQUIRIES, THE FOLLOWING ARE THE REMAINING INQ 'S WHICH ARE REALLY OBSTRUCTING ME : XXXX XXXX-DATE OF INQ : XX/XX/XXXX. 
XXXX/XXXX- DATE OF INQ : XX/XX/XXXX XXXX XXXX-DATE OF INQ : XX/XX/XXXX. 
XXXX XXXX XXXX- DATE OF INQ : XX/XX/XXXX. 
XXXX- DATE OF INQ : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

EXPERIAN CREDIT REPORT XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX CT IN XXXX XXXX XXXX Experian XXXX This case number above was put on my credit report without my permission or contract signed through the courts.I then contacted bankruptcy court who did not give permission for or sale my personal information.I did not give experian the permission to use my personal information that hinders my life my family life buy adding my information into there system this effects my life and I want it removed from there data base
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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX 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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights . Or 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: Debt collection

- I am currently making monthly payments to a hospital directly which are being accepted. 
- I received a notice from Credit Collection Services dated XX/XX/XXXX looking for payment. 
- I sent a cease and desist letter via certified mail which was received and signed for on XX/XX/XXXX. 
- The cease and desist letter was ignored and I received another collection letter dated XX/XX/XXXX. 
- The collection agency also attempts to call on a regular basis, going against the cease and desist letter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 15 U.S.C 1681 section602 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 XXXX  XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - ( ATTACHED ) Letter received by Credit Corp Solutions titled ( Second Response to Dispute ) - FALSE & MISLEADING because it was the first and only letter, I received from them. This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Credit Corp Solutions to DELETE the negative item from my credit file, immediately. 

XX/XX/XXXX - ( ATTACHED ) I responded to their false & deceptive letter, and I requested VALIDATIION pursuant to CFR 1006.34 XX/XX/XXXX - ( ATTACHED ) Proof by USPS delivered receipt proving Credit Corp Solutions received my letter requesting VALIDATION but they have not responded within 30 days. 

I demand this unvalidated negative item to be deleted from my credit file, immediately.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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