23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to pay my mortgage to Vitek since mid-XXXX. Because I was over 30 days late, my mortgage company 's automated telephone system would n't allow my to make a payment by phone. I 've tried to pay online, but I 'm not allowed to do that either. Apparently I must speak with a live person to pay my mortgage. However, I have called their customer service number dozens of times and spent anywhere from 5 minutes to 38 minutes on hold each time, and a live person has never come on the line. I have sent three emails asking for assistance and have not received a telephone call back. They have told me via email that someone will call me, but nobody has called me. I have not mailed a check to them because I am attempting to call daily and I do n't wish to accidentally double pay, and I also do not trust this company to apply the payment correctly. They advertise that you may pay your mortgage online or by telephone, but I 've been trying for months and have n't been able to do so. I now owe them four monthly mortgage payments, my credit rating is no doubt destroyed, and I am very concerned they will or have begun foreclosure proceedings, all because their automated online and telephone systems will not accept my payment. Please help me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX  XXXX XXXX
Product: Checking or savings account

My mother created a trust, at the suggestion of an attorney, and moved her life savings into a trust ( checking ) account with South State Bank. My mother recently passed away, leaving my brother and I as successor co-trustees. The bank refuses to allow my brother and I to access the account in any way, even though it is spelled out clearly in the trust certificate ( which the bank received when the account was opened ) that we are supposed to have access to the account after my mother passed away. The account is frozen, and we are unable to pay the utility bills, property taxes, etc. on my mothers house. The bank has refused for over a month to allow us access to the account, even though we are fully authorized to access the account. It seems to me this would be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX 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 card

I recently applied for and was approved for a Citi XXXX XXXX credit card. However, on XX/XX/XXXX, while shopping at the mall, my card was unexpectedly declined and immediately locked by Citi due to suspected fraudulent activity. I received both emails and text messages instructing me to contact Citis fraud department to resolve the issue. 

After a lengthy wait on the phone, the representatives informed me that I needed to be " verified '' to unlock the account. Unfortunately, they were unable to verify me using my phone number, which Ive had for over XXXX  years, citing an unspecified issue. Since I do not have any other accounts with Citi, they stated that all available verification methods had been exhausted and that I would receive further instructions via a physical letter in the mail. 

As a result of this frustrating experience, I requested that Citi close my account. However, they refused to process my request, insisting that I must first be verified. Even after offering to visit a Citi branch in person with my state-issued ID, I was told that I must wait for the letter. 

To date, I have not received any letter from Citi. My account remains locked, yet I am still expected to pay the annual fee for a card I can not access. 

I would also like to point out that it's incredibly uncommon for a bank to request a customer call-in to verify a transaction. With any other credit-card I have always received a text message which I could simply respond to immediately unlock the account. 

Having exhausted all attempts to resolve this matter with Citi, I am seeking your assistance to address this issue.
Product: Credit card

I had a credit card stolen and used to make a purchase at XXXX XXXX XXXX and several other locations. I immediately contacted my credit card company and reported it stolen - they cancelled the account and opened a new one, however, XXXX of the charges made by the person who stole my card was this XXXX XXXX XXXX charge. Apparently, XXXX disputed it and they allowed it to be re-billed to MY NEW ACCOUNT. 

They sent a letter asking me to sign and return via fax the them and I did, within the 10 day period - that charge is still being charged on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage was performing a background check on me. One of the items that I wanted to dispute was an employment at XXXX while I was on assignment at XXXX XXXX XXXX during XX/XX/XXXX to XX/XX/XXXX. First Advantage wrote the wrong dates for my employment with XXXX. I gave them the phone number to contact XXXX at ( XXXX ) XXXX and to ask for Human Resources and to state that I was an internal employee at XXXX while I was on assignment at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, California. The First Advantage customer advocacy person at XXXXwas rude and condescending when I told her that they did not have the right dates. I told her that I could do a three way phone call to call XXXX to verify the information. She said she couldn't do that. I then asked her if XXXX could call First Advantage to verify the information, and she said they couldn't do that either. Instead she said that they now have an extra 15 days to verify the XXXX employment information. And that the dispute team can not be contacted by XXXX, and that XXXX needs to wait for the phone call. First Advantage is intentionally delaying the background verification in order to gain more time.
Product: Vehicle loan or lease

PNC Bank did not apply the {$550.00} payment I made on XX/XX/XXXX to my loan and is now falsely stating I am 30 days late on my credit report. 

They also never mailed the payment information. When I figured out how to pay I called the representative and paid over the phone. She was rude and appears she misapplied the payment on purpose. 

I see on the confirmation it says XXXX. Who is XXXX XXXX? Is she the representative who took my payment? 

I authorized a payment for my account XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX  IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.
Product: Money transfer, virtual currency, or money service

Somebody broke into my car and stole my wallet that included my ID. 
They have written checks at XXXX TRS recovery services Inc. have mailed me 2 forms as an attempt to collect debt First form was received by Mail : XX/XX/2023 Reference number : XXXX Amount : {$9300.00} Second form was received by mail, XX/XX/2023 Reference number : XXXX Amount {$10000.00}
Product: Credit reporting or other personal consumer reports

I need to inform the company that I have copies of previous credit reports from XXXX, TransUnion, and XXXX where on XX/XX/year> XXXX showed a XXXX XXXX of XXXX with credit use at 91 %, XXXX on XX/XX/year> showed a XXXX XXXX of XXXX with 53 % credit used, and TransUnion on XX/XX/year> a score of XXXX with 53 % credit used. I currently have 44 % credit use and my son has 23 % credit use and our scores are still in the XXXX score range. I have reported the tampering to the FBI for further investigation into why the credit scores are being tampered with at this particular point in time.
Product: Debt collection

Subject : Debt dispute and request for verification of collector 's license Dear Sir or Madam, I am writing in response to the correspondence I received, dated XX/XX/XXXX, indicating that you are attempting to collect a debt on behalf of AFNI , Inc., with reference number XXXX. According to the letter, the debt allegedly originates from a XXXX XXXX XXXX. 
After reviewing this information, I have serious concerns regarding the validity of this claim and am therefore disputing the debt for the following reasons : Lack of XXXX  Debt Collection License : Based on my research, AFNI , Inc. is not properly licensed to operate as a debt collection agency in the state of XXXX pursuant to the state 's debt collection laws. Under Chapter 559 of the XXXX Consumer Collection Practices Act ( FCCPA ), any debt collection agency must be registered and licensed to operate in this state. I am requesting evidence that AFNI , Inc. is licensed to collect debts in XXXX. 
Proof of Debt Ownership : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g ( b ), I have the right to request validation of this debt, including verification that the debt is actually mine and that the amount owed is accurate. I demand that you provide me with detailed documentation to validate the legitimacy of this debt, as well as records supporting the transfer of the debt from XXXX XXXX XXXX to AFNI XXXX Inc.. 
Relevant Case Law : In the case of LeBlanc v. Unifund CCR Partners, 601 F.3d 1185 ( 11th Cir. 2010 ), the U.S. Court of Appeals for the Eleventh Circuit ruled that debt collection agencies must strictly adhere to both state and federal laws, including those related to obtaining state licenses.
Product: Student loan

I am on a payment plan where my account is automatically debited each month. I called to request a debit be cancelled as due to unforeseen circumstances I can not make the payment this month and the payment will likely bounce and I was told they could not cancel it. I said I thought regulation  E  allowed for this to be cancelled and was told it could not be cancelled since in  XXXX  ( 6 months ago ) I asked for a similar hold. I again mentioned that i can not make the payment and need to cancel it and was told i could not and a  manager  would call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX I tried to dispute this collection account 4 times with Transunion and XXXX agency without any result. This companys and collection agency has violating my consumer rights and also violates federal laws 15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate I send screen shot from my credit report and on Collection account appears as XXXX XXXX XXXX as creditor, when the right creditor name is XXXX XXXX XXXX information is not accurate and they update creditors name, that is the first violation. Also, i reques to the collection agency a copy of they permit authorization to collect any debt in XXXX Kentucky, they never respond to my as laws requieres within 30 day, this request was sent to them a year ago, and XXXX says they answer to them as that collection belongs to my and the information is accurate when is not
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IA XXXX Account # XXXX Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : ( XXXX, XXXX ( XXXX, XXXX ( XXXX ( XXXX, XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX  days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and XXXX XX/XX/XXXX XXXX Cc : XXXX XXXX  States Attorney General
Product: Bank account or service

Premise : I ordered book of checks via US Bank web-portal service. 
Few weeks went by, still not having received the checks, I called in to find out that they have sent it to some random address. The rep then proceeded to cancel the incorrectly mailed checks, and issued me new ones with the correct address. 
Here is the caveat : the rep issued the new checks with EXACTLY the same number of the checks he had canceled therefore rendering all newly issued checks useless. 

Result : All the checks I had wrote ( lot outstanding keep in mind as I had to wait about 2 months from the initial ordering date ) were bounced. Out of all the bounced checks, XXXX was actually to the XXXX, where we had paid higher premium to have an application expedited for a family member. What was suppose to be the tail end of 2-3 month process had to start ALL over, not to mention penalties that came along with it. 

Actions taken : I called multiple times and was assured multiple times that a supervisor would call to discuss reimbursement of the penalty fees applied for parties that deposited the incorrectly issued checks on behalf of US Bank. 
Even to their request, I had emailed over two attachments illustrating all the bounced checks/fees and even the rejected application letter from US Government due to bounced check. 

To this date, I still have nothing resolved. No reimbursement of the bounced check fees for my other parties. Nothing was done at all, other than an apology letter that says to call their XXXX number for any questions. 

Extremely frustrated, unprofessional and simply unacceptable for a banking institution to mess up to this degree and leave it unresolved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the incorrect personal information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I request that you update my file to reflect the correct information and remove all inaccurate data per Metro 2 compliance guidelines. Incorrect Information to Remove Names to Remove : XXXX XXXX XXXX ( with incorrect variation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of my drivers license, utility bill, and social security card to verify my identity and correct address. Please delete any and all names and addresses Please investigate this matter and correct my credit report. Under FCRA Section 611, I expect a response within 30 days confirming the removal of this incorrect data
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries were created without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft are entitled to have fraudulent information removed from their credit reports. 
XXXX Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$260.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Equifax, and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of { { {$67000.00} } } in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX  terms and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX is not an affiliate of XXXX XXXX  nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

Citibank has done " discrimination '' to my profile by putting the restriction on my credit profile. 
When I applied for XXXX XXXX XXXX XXXX  XXXX  XXXX  on XX/XX/XXXX, my application has been denied that the restriction has been put on my profile or social security number due to the fraud occurred on an old Citi card back in XXXX ( more than 3 years ago ). 

Since then I have had major deposit accounts including Citi XXXX checking account along with Citi XXXX Savings Account with a highly good standing. 

But Citibank has issues only with providing a credit card and has put a credit restriction. 

I want to raise it as a concern and malpractices followed by Citibank that they have discriminated me along with several others whom they think are not profitable customers.
Product: Vehicle loan or lease

In XXXX, XXXX XXXX repossessed my XXXX XXXX XXXX and had denied me membership needed in order to pay the debt.
Product: Money transfer, virtual currency, or money service

I have filed multiple fraud alerts to cashapp, and they never disputed them. 
Unauthorized purchases Taking money out of my account for no reason And taking money out of my account when I put money in
Product: Credit reporting, credit repair services, or other personal consumer reports

Ex-spouse refinanced said property assigned transfer of deed XX/XX/XXXX in XXXX, CA and Recorded date showing XX/XX/XXXX. The said property only in ex-spouse name. 

Two credit bureaus showing account as current, 1 shows as potentially negative.