23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1006.18 False, deceptive, or misleading representations or means. 

A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. 

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt. 

( 3 ) A debt collector must not represent or imply that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 


Attached is notice was given XX/XX/2019 Also attached is no damage to carpet accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions|
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting by Equifax for Account XXXX Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : 15 U.S. Code 1681i : This section mandates that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct the inaccurate reporting of late payments demonstrates non-compliance with this requirement.

15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment suggests a failure to comply with this standard. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and financial reputation. 
PAANL Violations : Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The persistent inaccuracies in my credit report violate this principle. 
Summary of Errors and Discrepancies for Account XXXX Equifax Late Payment : A 30-day late payment was inaccurately reported for XX/XX/XXXX. 
High Balance : Reported as {$0.00}, significantly inconsistent with other bureaus. 
Last Verified Date : Listed as XX/XX/XXXX, differing from XXXX and XXXX. 
Closed Date : Not specified, inconsistent with other reports. 
Dispute Status : Marked as " Consumer disputes - reinvestigation in progress, '' yet no resolution provided. 
Account Status : Listed as " Open, '' conflicting with the closed status on other reports.

Account Remarks : Incorrectly states " Amount in H/C column is credit limit, '' which does not reflect the account accurately.

Two-Year Payment History ( Late Payment Dates ) : Reported a 30-day late payment in XX/XX/XXXX. 
Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. The continuous inaccuracies in my credit report must be addressed to ensure compliance with federal laws and to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I filed complaint XXXX demanding to know why Citi raised the rate on my Home Depot Credit Card without cause.

Their response did not address my complaint at all, and instead was standard PR verbiage and a lawyer 's dodge to the actual problem. Their proposed " solution '' of rejecting the changes, per their letter on the change in terms, would've resulted in my account being closed. That is not a realistic solution, unless Citi wants to waive any outstanding balance on the card.

They changed my APR to the penalty APR, despite the fact that I have never been late, never missed a payment, and never paid interest because I always pay my balance in full or in compliance with the promo terms. The only reason supplied in the letter was using the " catch all '' clause to make any changes they want with 45 days notice, as required by the CARD Act of 2009. When I called demanding to know why my rate was being changed to the penalty APR, their customer service agent said it was a business decision affecting all card holders. 

When I received a letter in the mail with a promotional offer, and that promotional offer advertised a variable rate that my card used to have, it became very clear that the change did not affect all card holders, just me. 

As a XXXX XXXX  with a XXXX and a credit score over XXXX, again, I demand to know why my interest rate was changed. What is the business reason that you changed my interest rate, but not everyone else 's? From my stand point, it looks like you singled me out because I have done nothing in the card terms to warrant the penalty APR, and further you used a very generic clause with no reason provided to change my rate, which is discrimination on the basis of XXXX and XXXX XXXX. 

If you didn't single me out, then why are you advertising a rate structure that isn't offered? Does the Home Depot Card still offer a variable rate or not? If it does, then why did you change my card terms? If you don't discriminate, then what is the business reason that you change my interest rate and not everyone else 's? If it doesn't offer a variable rate, then why are you still advertising the card with a risk based lending rate structure?
Product: Credit reporting, credit repair services, or other personal consumer reports

The below are a result of ID theft as reported several times before : XXXX XXXX Account Number XXXX The following inquiries have not been authorized or in any way done by my person : XXXX/XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

When you try and reach them, they are not available. I have noticed that when my payment comes due, they just cancel it. No notice no phone calls no email no nothing. I do not ever hear from them. When you try and use their website, it continuously gives you errors and does not allow you to proceed most of the time. The last three payments have cancelled, and they have not notified me at all. Why is this happening? This company has got some shady practices going on here just like some others of the XXXX  XXXX  category. I want answers and will not be held responsible for their negligence.
Product: Checking or savings account

I guess The idiots at Wells Fargo think I was born yesterday. Account Closure due to me filing fraud claims. The Banks is using the system and vague dialog and XXXX letters to defend their actions. Then wonder why they are in the new every other month getting fined or sued. Their associates told my banker not to tell me that they closed my accounts due to claim abuse. Well my Banker was honest and told me what she was told when she called the Wells Fargo lost prevention number. She even told me she made a mistake by working for this company. anywho, using vague language like " We decided to close your account from a business decision '' is not sufficient enough to take such a action. A " Business Decision '' could mean various things! For all I know the company is discriminating against me because of my race. Ive already removed all of my funds as the bank set the accounts to close on XX/XX/23 as they let the pending disputes expire after 10 days of them not really investigating them. However Federal law requires they be investigated. Im also requesting proof of findings in detail from these investigations as I will be using it in my Court case against this company for which I'm filing a suet against for pain and suffering, emotional distress, and violating consumer banking laws. Im sure some rep will do as other reps have and close this complaint by including a BS letter and resolution. But I'll just keep opening up new cases until this bank gets that I don't just roll over on my belly. Hopefully someone gets fired behind their negligence after I sue them for millions of Dollars.
Product: Mortgage

I tried contacting New Rez Morgage who we have been with several years. I found out through family members we could refinance now under a government program because we owed less than {$300000.00}. We currently owe {$230000.00}. I tried contacting this comapany on website, email and phone call and it was nearly impossible to get a response. Finally, XXXX XXXX reached out to me and I asked if we could apply to refinance to get a lower interest rate & payment. He said, Yes. I also asked if we could get a deferrment of payments or a lower payment during this process because our income had been cut {$1000.00} monthly due to the COVID-19 pandemic. He said we couldn't do both???? and we began this long process of refinance. We have always paid our morgage on time, never have filed bankruptcy, and have fair to good credit. We want to know why this is taking so long as we continue to pay way more than we should be for our payment!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT AND XXXX DATA BREACH. FOR THE PAST SEVERAL YEARS IVE BEEN HAVING ISSUES BEING AUTHENTICATED OFF AND ON. ANYWAYS I HAD SOME FRAUD ACCOUNTS BLOCKED FROM MY CREDIT REPORT AND IT SOME HOW IS STILL SHOWING UP ON THE LENDERS SIDE BUT NOT ON MY SIDE. I'VE HAD MULTILPLE FILES ISSUES ETC. IVE CALLED OVER 2 9 TIMES THE FRAUD GUY TOLD ME LAUGHING IN DISGUST AND SINCERELY APOLOGIZED. HE ADMITED IT WAS VERY COMPLICATED. BUT THATS NOT MY FAULT. I JUST WANT THIS FIXED ONCE AND FOR ALL IF POSSIBLE AND THESE ARE THE CONFIRMATION NUMBERS AND I HAVE A CASE NUMBER WHICH NO ONE CONTACTED ME BACK WITHIN 72 HRS. NEVER CALLED ME BACK. CASE NUMBER XXXX, XXXX CONFIRMATION BLOCK. I HAVE SENT A COPY OF MY ID AND SOCIAL SECURITY CARD THROUGH THE POSTAL MAIL BY NEXT DAY DELIVERY WHICH YOU SHOULD RECEIVE TODAY BY XXXXXXXX XXXX XXXX XXXX  today. PLEASE SEE ATTACHED LETTER FROM XXXX XXXX XXXX XXXX XXXX PULL IS DIFFERENT FROM MY CREDIT PULL. THANK YOU.
Product: Debt collection

Notice for Proof of Claim Account : MIDLAND CREDIT MANAMENT INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO XXXX XXXX XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX. Once the XXXX writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection XXXX XXXX. Section XXXX ( g ) : Under the XXXX, FDCPA, XXXX XXXX ( g ), you have XXXX  days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

REQUEST TO CEASE AND DESIST DEBT COLLECTION ATTEMPT XX/XX/year> To Whom It May Concern : I was contacted by spring oaks capital llc regarding an alleged debt owed. For XXXX accounts with this company Be it known, that I hereby dispute the validity of said debt. I would also like to know if an attorney has reviewwd this account. 

In accordance with the XXXX Fair Debt Collection Practices Act, XXXX XXXX XXXX, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , to resolve this matter, as warranted. Please take note that I am declining any attempts by spring oaks capital or any other collection agency with regards to this matter. 
In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. 
You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt. 
Sincerely, ( XXXX XXXX )
Product: Credit card

XX/XX/year> - I was in the process of booking a flight on XXXX XXXX. As I was preparing to checkout and pay, there was a promotion for the Citi AAdvantage credit card. If I apply for the credit card and use it on this purchase I can earn a {$200.00} account credit making my flight purchase net {$200.00} less and I would earn XXXX bonus miles due to the amount of the purchase. I clicked the " Learn More '' button which took me to a Citi website where it also advertised a " XXXX XXXX '' offer of the {$200.00} account credit and XXXX bonus miles. I clicked the " Apply Now '' button and began my credit card application. 

I was immediately approved and my credit limit is {$28000.00}. I received an email indicating my account is considered open as of today ( XX/XX/XXXX ), and I will receive my credit card in the mail within XXXX business days. 

That being said, I am unclear how I can use this card to complete my purchase on the XXXX XXXX website. 

I called Citi hoping to get access to a temporary account number so I can complete my purchase, but after getting transferred to multiple different departments and speaking with different agents and a supervisor, I was told they could not give out any information and I have to wait for the physical card to come in the mail. 

The only reason I opened the credit card was to get the " XXXX XXXX '' rewards ( bonus miles the statement credit ) from this purchase and the card member benefits when traveling on AA. I need to book the today flight because the rate will go back up and I wanted to get the rate I found today which was {$500.00} less than what I have been watching. 

This is predatory marketing and completely misleading. This is terrible customer service. I don't even have the card yet and I am upset with the company. Applying for the card made a hard inquiry on my credit for no good reason as I can't even use the card today. 

I will have to use a different credit card to complete my purchase which means I will not get any of " XXXX XXXX '' promotions advertised or any of the cardmember benefits for this flight with XXXX XXXX ( free checked bag, priority boarding, discount of in-flight purchases, etc. ). Citi needs to find a way to make this right with me.
Product: Mortgage

They have alleged that 91 payments were missed when in fact the mortgage companies forced me into Bankruptcy and then Sold the loan to other mortgage companies, never received and requested paperwork from said services whom were acting as a debt collector which is illegal according to state law. The mortgage company stop accepting my mortgage payments after I raised questions about my mortgage account. The mortgage companies would refused to send me all original data and would hire the attorneys that would produce docs from the court houses as public records which are not the original documents. Many missing documentation from all mortgage servicer. They the mortgage company purchased the debt for pennies on the dollar and still are trying to collect on the false amount that is way more than what was ever owed. 

They refused to speak with me about getting to the correct department that they said would be responsible for providing proof of the amount that they say that I owe. 

The last amount was {$340000.00} - XXXX - XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX Then they sold the loan to XXXX XXXX as a front to avoid the obvious because the attorney that they hired orchestrated the whole fraudulent act. 

I was forced into bankruptcy and it has been difficult ever since, but I will continue to fight as long as it takes. Most recently the new servicer took my lump some payment and then told me that they never received any email correspondents reflecting the said amount and told me that they were going to foreclose at a future date but no date has been scheduled at this time. Thank you for all your help.
Product: Mortgage

My name is XXXX XXXX, and I have XXXX mortgage accounts with Citimortgage, and the XXXX mortgage is being reported to the credit bureau incorrectly. Because of the incorrect report, I am being prevented from getting any additional credit line from other creditor like XXXX bank. On the XXXX mortgage there is XXXX amount due until 2024, and yet Citimortgage is reported on a monthly basis the full loan amount is due to all the major credit bureau. Citimortgage is reporting {$24000.00} due on every month when in fact my due amount is {$0.00}. I applied for a credit card line of credit to XXXX bank, and I was denied on a basis of " Obligation is too high base on my income. I have asked Citi Mortgage to correct the reporting on many occasion, but there research dept is refusing to correct the reporting. I am seeking the help of CFPB. Citimortgage has no right to misrepresent my record which prevent me from receiving additional credit line approval. This mortgage has been in existance for 22 years, and now I am getting wrong reporting on my behalf which cause me harm financially.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and DELETION due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I have XXXX checking accounts. XXXX checking account with XXXX and XXXX with USAA. I had an old USAA checking account that was closed back in 2021 which ends in XXXX. I accidentally sent XXXX transfers of {$800.00} and {$170.00} to the wrong USAA account ( which is now closed ) from XXXX. Both transactions occurred on XX/XX/XXXX and XXXX has received a receipt of the transfer being completed to this closed USAA account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED this false and misleading information removed from my credit immediately.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and I am preparing this message. It has come to my attention that there have been several accounts under the name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 U.S. Code, 1681-C-2 ( a ) consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft. Also, 15, U.S. Code 1681 section 604 ( a ) section 2, states : that a consumer agency can not furnish an account without consumer written instructions. The listed accounts here never received any instructions directly from me, nor did they obtain my personal written consent. No consent is identity theft. I am demanding the removal of these listed accounts immediately. Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As you may be aware, the presence of inaccurate or fraudulent information on my credit report is not only damaging to my credit score but is also preventing me from securing loans, credit, and even certain housing opportunities. This is creating significant hardship and frustration in my personal and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX  XXXX  XXXX XXXX or XXXX XXXX for most of the past decade. 
I am a homeowner in New York, my Home of Record. In XXXX that property was damaged by flooding by Hurricane Sandy. My Mortgage was with XXXX XXXX   but was serviced by XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX Phone XXXX XXXX XXXX. Continues to report negative information on my name to the credit bureau years after the Mortgage company was transferred to the current mortgage company.