23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After paying a mortgage for 15 years without issue. In XX/XX/2010 I starting having difficulties paying my mortgage missed two consecutive payments and PNC returned my checks and refused payments. I did n't have anywhere to turn, with financial difficulties I decided it was best to put my property on the market since I owed more then the property is worth. I had it listed with three different Real Estate Brokers and was not able to succeed with a short sale on the property even thought there were buyers the bank turned them all down, with no offers over asking price off {$290000.00}. The Real Estate agent who currently has my property listed received an offer of {$270000.00} cash. PNC told my agent that because a short sale was reviewed already they will only allow it twice and I have exceeded that. First time was because the offer was too low and the 2nd was because my agent called and I was in a Bankruptcy, PNC counted that as the 2nd request. I am trying too get my life back on track and not have my property foreclosed on due to the severity of the impact it will have on me for quite some time. The reason for low offers are due to the condition of the property not having the financial backing with the serious draw backs which was not understood by the Appraiser. Their are 4 serious issues that were not considered in the bank arriving at there value. 1. Appraiser omitted the fact that the building department will require a {$60000.00} expense to repair a retaining wall and a new garage, which must be bourn by the new buyer within 90 days of purchase. ( photos included ) 2. The house is physically and structurally a knockdown. ( photo included ) 3. The driveway has an easement with XXXX other properties. 4. The house is a non-conforming lot that requires a variance to build a replacement home. ( see building code requirements attached ) The buyer is ready able and willing to move forward knowing before he can get the approval for a variance he must comply with the violation with the XXXX. ( attached violations for retaining wall and garage ). I have also attached a letter from the buyer addressed to the law firm who is foreclosing, sale contract, proof of funds, MLS listing. Please understand this property is not salvageable and the purchase is based on the land value minus the retaining wall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically XXXX my life.
Product: Bank account or service

The CitiGold checking account rewards program has cost me {$64.00} in fees so far and does not deliver its promised benefits. The program promises to provide tens of thousands of XXXX XXXX points, if a customer opens a CitiGold checking account and completes a number of steps such as setting up bill payments online within a few months. I signed up for the offer and opened an account XX/XX/2016. I also went to a local branch to provide my information such as tax record, social security number, etc. to complete account opening process. 

To set up bill payment ( a requirement for receiving the benefits ), I need an online account ; to set up the online account, I need a debit card and a password ; the problem is I have never received the debit card and password for several months and now the required timeline has elapsed. After speaking with customer service XX/XX/XXXX, I did receive a debit card, but the password never arrived. Meanwhile, because there is XXXX balance in my account, I was left with account maintenance and overdraft fees of at least {$64.00} as of XXXX XXXX, 2016. 

Citi 's practice is unfair. I opened the account and was willing to complete the steps required to take advantage of the offer. However, an essential part of what is required - receiving debit card and password - is missing due to Citi 's lack of oversight of its operations. What started as an attractive incentive program ended up in fees on my account and no benefits at all, and there 's nothing I can do to avoid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you multiple times that Im the one whos disputing this information. Again, I received your multiple response that you dont have authorization to dispute anything because you believe it didnt came directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Under Section 614 Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ]. You only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.

The information Im disputing are INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but ( bureau ) is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX ( Original creditor : XXXXXXXX XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX and XXXX 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, credit repair services, or other personal consumer reports

I sent a certified letter to BMG Money that included, a police report, a identity theft affidavit and identification documents to verify my identity. BMG money has reported an account to my credit report that is a result of Identity theft. This report is affecting my credit, which has took me some years to restore due to someone using my identification. I'm still baffled as to how this account was opened. I don't show any inquiries on my report reflecting this company, and if they would have actually done a credit check, they would have seen that my report is frozen due to this. My report also clearly states to contact me at a specific number which is listed on my report prior to issuing any goods or services. Someone from BMG sent me an email stating the the money was deposited into a bank acct which bares my name on it. I then proceeded to send over the police report to show this company that someone also had an acct at two different banks in my name, which I found out about last year and filed a report and the banks have since then closed those accts which were created online. BMG has not responded, they have not produced any forms or applications which bare my signature. I don't even know what employment was used to verify my information with this company. This account is clearly fraudulent and this company which should be ashamed for tarnishing my credit is clearly violating my rights. I did not make or authorize any new accounts. Another clear red flag, is I researched this company and it said it provides loan for federal employees. I work for a XXXX XXXX XXXX I am not a federal employee. So I know without a doubt they didn't verify the correct information.
Product: Debt collection

I am submitting this complaint personally, without any third-party involvement. Attached are letters providing further details about the information being reported on my credit report. I have never had a contractual relationship with The Bureaus, and I believe the original creditor, XXXX XXXX XXXX XXXX, sold my account without proper notification. This is a clear violation of FCRA Section 611 due to the inaccurate reporting on my credit report. I request that this account be deleted immediately because of the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I got a loan from One Main Financial in XXXX New Jersey it was supposed to be for XXXX. I was talked into quickly signing to a loan that involved my car. It has affected me in a negative way. The car was never paid off and Im unable to afford car insurance because the title is still held by XXXX. I pay XXXX a month for insurance and modifications of XXXX for loan. But my credit has bee affected because the loan was never paid as stated. I told them that wasnt even the loan I wanted.
Product: Prepaid card

I purchased an AMEX gift card from my local XXXX. I have been unable to use these cards after buying. 
These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. 
I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. 
They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 
This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 
This is simply not the case. I can not reach a esolution with AMEX customer service nor can the original purchaser. 
have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I am writing this complaint today because of the way XXXX is conducting their investigation and their insulting comments stating that it might not be me who is submitting the request to dispute items on my account which it was very much me who submitted this request and just because I know what I am talking about and writing with facts and using the USC and the FDCPA to dispute their inaccuracies. They had 30 days to submit me wit the proof and documents I requested with the method of verification and not a computer generated response they sent me. I asked these creditors for debt validation letters but they failed to send that to me also. This is a violation to me as a consumer and I trust the CFPB to help me resolve this matter effectively. On XX/XX/2022 I sent my first letter and received no reply and XX/XX/2022 I sent another letter which they sent me what looks like a computer generated response saying it was not me submitting this request. I am a victim of identity theft and I have sent a Ftc report i submitted to them and will attached it here. These accounts are not suppose to be reporting on my credit. Thank you for reading this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX  concerning a collections account placed on my credit file. The account was submitted to XXXX  by Waypoint Resource Group with the original creditor being XXXX. WRG reported the account with the incorrect ( First Date of Delinquency Date ), which they reported was XX/XX/XXXX. The correct date should be XX/XX/XXXX. XXXX also reported that the account is schedule to be removed from my credit file on XX/XX/XXXX, which is incorrect. The correct date the account should be removed in XX/XX/XXXX. I submitted a credit dispute to XXXX giving them documentation that shows the last payment on this account was XX/XX/XXXX. Based on the Fair Credit Reporting Act ( FCRA ), the XX/XX/XXXX is completely accurate when determining the ( First Date of Delinquency Date ) and subsequently sets up the date that the account is to be removed from my credit file. When XXXX completed their review, they did not update date my credit file to establish that the First Date of Delinquency Date should be XX/XX/XXXX and the date the account should be removed from my credit file should be XX/XX/XXXX. XXXX only updated my credit file telling me that I needed to contact the collections company WRG. When WRG first reported this collections account on my credit file, I submitted to them a debt validation request, and they never responded. WRG only contacted me via phone at work and harassed me telling me I had no authority to question the debt as it was validated by XXXX. I informed WRG that I did not want to have another harassing phone call and that they should only contact me via US Postal Mail. Based on the documentation I provided, this collections account will have aged on my credit file for 9-years, two years more than authorized by federal law.
Product: Credit card or prepaid card

Were currently reviewing your account- we may reduce your credit limit. 







What this means As a responsible lender, were always monitoring our Card Members accounts. Based on what we know about your payment history and current debt with American Express, as well as your credit scores and other credit bureau information, your account is being reviewed for a possible credit limit reduction. 



What you can do Make a payment towards your balance to maintain your current limit - we wont take the action stated above if you make a payment of {$1900.00} within three days of receiving this email. 



Make a Payment Heres how you can make a payment Log into your account to make a payment online. 
Call us at the number on the back of your Card. 
Make a payment through your Amex App. If you dont have the app, you can easily download it now. 


Download the Amex App Something to keep in mind Until the review is complete or a payment is made, you and any Additional Card Membe

rs may experience temporary disruptions to your spending. Were here for you If you have any questions, feel free to chat with u
s online or in your Amex App, or give us a call at the number on the back of your Card. Were here for you XXXX.
Product: Credit card

I believe the accounts are invalid. USAA FEDERAL SAVINGS BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the accounts to be remove from my credit & their records. USAA SVG BK XXXX USAA FSB XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Student loan

XXXX XXXX XXXXXXXX please read this, and know that it has been fradualent in that I have done the service work as a XXXX XXXX XXXX from XXXX, and I have made well over the required XXXX payments and I have filled out paperwork many, many times, and each time I am denied this has impacted our family, and to me it is lies by the government about the programs and how to get loans forgiven my wife says that THIS is diffferent, and I reluctant to even work with you as I have been lied to basically scammed in this process whey tell us you are going to forgive the loans and then just pay lip service to it are you guys for real? will you actually work with an XXXX Veteran who also worked with XXXX XXXX XXXX for XXXX years, along with XXXX XXXX XXXX and XXXX XXXX 

Send this to the federal government, send this to the company that I work with with my loans NELNET To me, it has been a scam as I have fulfilled all the requirements and been told no so many times Please help. Why the XXXX did i join the XXXX, why did I work with XXXX XXXX XXXX, etc. 
Why make those XXXX payments? ETC. 

You set the terms, then you did the lie by not abiding by the terms.
Product: Debt collection

on XXXX not sure of the date i disputed a debt for {$700.00} for XXXX XXXX XXXX which is now know for charter communications on XXXX XXXX i received a letter stating they were deleting the {$700.00} because i gave them prove and all that the account had not belong to me so they removed it last year XX/XX/XXXX then i guess they sold it to another company which i disputed that again so they removed it again i provided them with prove the account was not mine here we are again XX/XX/XXXX and they have a new collector name CBE GROUP collection agency putting back on my credit i went through all of this did what they asked it doesn't belong to me im asking to tell them remove it immediately from all three credit reports or i will be suing them for reporting negative information on my credit report which is affecting me tremendously from moving forward. ' tired of this you cant make an account belong to someone that isn't theirs PLEASE DO SOMETHING OR I WILL BE FILING A POLICE REPORT MONDAY MORNING THIS IS RIDICULOUS.
Product: Mortgage

Since I requested the company to remove me from the forbiddance plan, I'm trying to resume payments, but they do not move the balance acquired during the forbiddance to the end of the mortgage, so the website doesn't allow me to resume my payments. 
I'm trying for more than a year to follow the process of providing all the required documents but so far no answer from the company. 
Now I received a letter from a layer office informing me my mortgage was sent for forclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant get a mailed response from this credit agency after sending several complaints. I call and sometimes get through after holding 1hr 10 min, get disconnected and other times be told I have to mail in my complaint or use their website and get error messages of all sorts. Furthermore, I feel these kinds of issues is to discourage me from enacting my rights under federal law.
Product: Credit card or prepaid card

Hi. I have been a consumer of Comenity/XXXX XXXX for over 3 years. I have never been delinquent, and always in good standard. XXXX XXXX I became very ILL. I went to my doctor and was diagnosed with XXXX and Hospitalized through XXXX. During my Hospitalization I was fighting was my life and unable to handle my affairs. Once I recovered I contacted Comenity and paid the account of XXXX XX/XX/2021 bringing it to XXXX bal, and they sent Me a paid balance in full letter, but they reported Me to the Credit Bureau as delinquent 60days fir XXXX. I wrote them a letter and emailed them twice in their online message center regarding my battle with XXXX and being hospitalized. I requested due to such an unfortunate situation being out of my control if they would make a good will gesture on my behalf and bring my account current. They denied Me. This is affecting my livelihood, because I am trying to gain housing for myself and my XXXX year old son and this is the only account on my Bureau reflecting delinquent. They have shown Me No Compassion under the circumstances and I have all documents to prove my case. PLEASE HELP ME to get the delinquent reporting pulled from My Credit Bureau. Thank You! 
Warmly, XXXX
Product: Credit card

Received from chase bank an unsolicited Amazon rewards visa credit card in my name with a XXXX line of credit.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charges fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

In XXXX I had made a payment in accident of {$2000.00} instead of my payment that was due for XXXX It was made within the 30day so it should not be late. During the month of XXXX my son was in and out of hospital with major medical issues. I was not thinking well and its reporting late on my credit, I don't think this is a fair situation to be reported late as I was still within 30 days that I made the payment. I believe this is unproperly treatment for a customer that has been paying on time every time. 

Company did not send a response but closed by claim without consideration I can provide medical record if needed but I believe that is a little personal to disclose but if needed will be more than likely to do so.