23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX or XX/XX/2016 I entered into a Repayment Plan with CitiMortgage. The Repayment Plan stayed the foreclosure proceedings in the XXXX County Superior Court. Paragraph XXXX of the Repayment Agreement states that the payments are due on or before the due dates. ( the XXXX of the month ) Payments were to begin on XXXX/XXXX/2016 for XXXX. I did not make the payment on XXXX/XXXX/2016 and did not make payment on XXXX/XXXX/2016. Sometime XX/XX/2016 I called my then homeowner support specialist for CitiMortgage, someone by the name of XXXX XXXX XXXX, to see if the Repayment Agreement was still active or had been cancelled. I added that I had the money to catch up the payments for XX/XX/XXXX and XXXX 2016 of the Repayment Plan. XXXX XXXX said she needed to check " into somethings '' and would get back with me. A few days later, she called and stated the agreement had not been cancelled yet, but that I would have to pay XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to keep the Repayment Plan. On XXXX XXXX, 2016 I sent to CitiMortgage {$2500.00}. I did not make the XXXX, 2016 by the first of the month. On or about XXXX XXXX, 2016 I received an email from CitiMortgage stating my new Homeowner Support Specialist would be someone named XXXX XXXX. On XXXX XXXX, 2016 CitiMortgage sent me an unsigned letter stating that my Repayment Plan would be cancelled. I then called XXXX XXXX and was essentially told that XXXX XXXX made a mistake in taking the payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and that she did n't go through the appropriate underwriters.
Product: Credit reporting or other personal consumer reports

XXXX XXXX protects the right to possess a firearm unrelated to militia service and use it lawfully for selfdefense. Fibrillation impacts XXXX XXXX Americans and potentially XXXX XXXX by XXXX.
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS ( XXXX ) XXXX Has reached out via email. They are a predatory agency who has bought bad debt ( meaning not valid ). I've told them in writing to not email again on XX/XX/XXXX and they've emailed again this morning XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2020, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$4000.00} in direct deposits for three consecutive months. On Wednesday, XX/XX/2020, I reached that objective, and decided to wait an extra month because the fine print it says it can take an extra 30days for the bonus to show up in your account. I waited and still haven't received the bonus so on Thursday, XX/XX/2020 I called Wells Fargo to inquire about when I would receive the {$400.00} bonus. The supervisor rep I spoke to said I definitely qualified for the business after looking at my account, but due to the covid-19 the bonus has been delayed up to 45days rather than 30days. So she told me I should receive the {$400.00} bonus XX/XX/XXXX. XX/XX/XXXX has arrived and I still haven't received the bonus so I called back and and a customer service rep said I didn't qualify for the bonus because I didn't make the correct deposit and so after hearing that I was so upset because the supervisor I spoke to said I did indeed make the {$4000.00} deposit which made me qualify for the bonus. I told the woman on the phone to please listen to the recorded call so you can hear that your own supervisor told me I qualified. So we did an whole investigation that took two weeks and on Tuesday, XX/XX/2020 the final results was XXXX XXXX Wells Fargo Executive explaining to me that I was correct about her telling me that I did qualify for the business after him listening to the call but I still didn't make the right deposit so therefore I can't receive the bonus. I was so distraught because my money was on hold for 4months during this pandemic and to be told I won't get the bonus after I was told that I would was a kick in the face. I was misinformed and all he said was " it seem she didn't even look at your account. '' how unprofessional is that, they deserve to do the right thing. This is not a time for them to be fooling around with money for any customer.
Product: Student loan

I submitted a borrower defense to repayment claim. It has yet to be addressed and still after 2.5 years it is pending. NOT EVEN LOOKED AT!
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. i have not been able to obtain anythig in my name nit a place to live, utility or a bank account. this is really effecting mu livelihood. i have trouble with getring hired and jobs, my background comes back with these accounts and i cant anything by myself. please help me look into these accounts i need ro get my life back. i am only XXXX and this is holding me back. 

please see the attached id theft report for more details. 

Acts ; XXXX XXXX  {$170.00} XXXX XXXX {$29000.00} XXXX XXXX XXXX $ {$300.00} XXXX XXXX {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { dispute_item_and_explanation listed underneath Personal Information : XXXX XXXX XXXX : XXXX XXXX Ct XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX 
XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX. 
XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/XXXX, a XXXX XXXX XXXX with XXXX miles was purchased for {$16000.00} and financed at 22.99 % XXXX 23 % ) with a finance charge {$12000.00} for an extremely high final TOTAL purchase PRICE of {$28000.00}. The car was purchased from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) Main tel # XXXX or ( XXXX ) XXXX. The extremely high car cost of {$28000.00} was FINANCED via Credit Acceptance. 

As of XXXX, {$16000.00} is still owed on the vehicle ( original car note {$28000.00} at 23 % interest rate ). 

A one-time, full payment, settlement offer of {$9500.00} to pay-off and satisfy the debt was made to Credit Acceptance via certified mail return receipt. As per law, Credit Acceptance is supposed to respond within 30 days to the written inquiry. 

However, Credit Acceptance has not responded to any of my prior written letters to settle the {$16000.00} owed on the over-priced XXXX XXXX XXXX. 

Essentially, the cost of the car {$16000.00} is almost the finance cost {$12000.00}. This is an egregious and unscrupulous/corrupt practice. 

XXXX XXXX XXXX Current Balance : {$16000.00} Original Loan Balance : {$28.00}, XXXX Interest Rate : 22.99 % Std. Monthly Payment : {$430.00} Contract Start Date : XX/XX/XXXX
Product: Vehicle loan or lease

I Applied with New Day USA home loan after they have been soliciting me for over a year with invites to apply for a VA Home Loan through their company. After Speaking with the representative of New Day USA home loans, I was told that the company have all types of programs that help XXXX veterans like myself get into a home any way that they can. As we were going through the questioning process, He asked about my spouse Social Security number and He assumed it was female. When I corrected him that my spouse was indeed a XXXX he let out a Loud Laugh while on the phone with me. He did not apologize and proceeded to ask me questions about my race, ethnicity and religion. After the questions he hung up and called me less than five minutes later Denying my application without an explanation. I feel as if he jumped to personal judgment based on me Being a XXXX XXXX XXXX and none of my accomplishments in my military career and within my life even mattered. He was Very enthusiastic at the beginning of the call until He learned I was a XXXX XXXX male.
Product: Credit card or prepaid card

On XX/XX/2023, I attempted a purchase and canceled the transaction before leaving XXXX XXXX in XXXX as I was not given a receipt since it was close to the store closing. The following morning on XX/XX/2023, I contacted via telephone the store, to inquire as to whether the store had cancelled the transaction. To my chagrin, the sales representative stated that the item was shipped to my address. I informed the sale representative that was not the conversation, I had with what seemed was another sales representative as I was assured that the transaction was canceled. 

Seeing that I had no physical record of the said purchase, I contacted Wellsfargo on XX/XX/2023 and informed them of the sales scam, XXXX was attempting to do with my card. Wellsfargo canceled and credited my account. Several weeks, passed by and on XX/XX/2023, XXXX, sent me a text message with a receipt stating that they are issuing a store credit. On XX/XX/2023 Wellsfargo reversed the transaction and placed the charges back on my card for an item, I never received.
Product: Credit reporting or other personal consumer reports

Transunion has allowed inaccurate information to be reported on my credit report that isnt congruent to XXXX or XXXX reports. Which causes for instant removal due to inaccurate information damaging my credit report. Violations stand as stated 15USC1666b 18USC870-872 FCRA violations of inaccurate reporting as well as FDCPA collection laws being violated by said entity
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. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Debt collection

XX/XX/2019 Amount {$950.00} Company XXXX XXXX  XXXX/33 Account number XXXX Asked this company to remove this off my report since this is not mine.
Product: Student loan

I applied to have my federal student loans put on an income-based repayment plan and, after submitting my paperwork ( including proof of my small salary ), I was asked to submit my wife 's financial information ( including her student loan info ). After this I was told I only qualified for a $ XXXX/month reduction because of our combined income. My wife does not pay my loans, I do, and this is completely ridiculous and unfair. I can not afford a $ XXXX/month student loan payment and either can my wife.
Product: Credit card or prepaid card

XXXX XXXX Security alerted me XX/XX/2018 that my care was used in store two transactions {$190.00} and {$1.00}. They asked via text if I made these transactions. I texted back no then the told me to call them and I did they asked me to confirm info and they informed me that they'd cancel my credit card and send a new one. week after week I get calls that I am overdue on payments. I call to tell them it is fraud related, week after week. finally someone told me to fill out the proper paperwork and I do. after that I still get collection calls. Finally I talked to someone in the customer service department and the said they receivers the paperwork and that I need to file a complaint because they did not give me the proper information to clear the fraud charges. They also charged late fees. This is an issue regarding XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I don't know there to start, because It is so sad being victim of identity theft. My name is XXXX XXXX and I was out of USA around 10 years. I moved back to USA recently and after checking my credit reports was badly surprised. Scam artist theft my personal info from data breach and obtained fraudulent credit under my name. The fraudulent accounts are named as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had a call with all companies, described the situation and asked to provide copy of original contract with my verified signatures, they could not do. Also, fraud account are opened under the addresses there I have never resided : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Please delete all the fraudulent information from my credit reports, because I am a victim of identity theft.
Product: Debt collection

I received notice a few weeks ago about ERC being placed on my credit file. I waited to see if i would receive anything in the mail pertaining to this debt. To this date I have not received anything, I have no clue what this is or what they are trying to collect for.
Product: Debt collection

Debtor attempts to collect and refuses to present a verification of the debt, after several requests.
Product: Consumer Loan

For the second time in less then a year, Bank of America has cashed my personal check payment for my RV loan for {$420.00}, but only credited my account with {$360.00}. My monthly payment is {$360.00}, but I always pay extra, clearly marking it on their payment voucher. This time I paid {$60.00} extra on my loan. I have the cashed check photo copies from my credit union. I also feel this is due to huge internal problems at this bank and is systemic. There could be XXXX other people having the same thing done to them who are not catching this. Additionally, it is not possible to email Bank of America ; only private messaging through their website where there is no written trail of correspondence. When trying to phone them, you wait on hold for up to XXXX minutes and are hung up on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Formal Complaint Against Experian for Failure to Provide Credit Report and Score To Whom It May Concern, I am writing to express my grievance and to file a formal complaint against Experian for their persistent refusal and failure to provide me with my credit report and score since XX/XX/XXXX My name is XXXX XXXX, and I have been significantly impacted by this issue, which has impeded my ability to conduct personal and business financial transactions effectively. 

On Monday, the XXXX, I engaged in detailed conversations with both the Dispute Department and the Customer Service Department at Experian. Despite these discussions and my proactive steps to update and correct my address with their guidance ensuring all my information was accurate to facilitate the delivery of my report no resolution was provided. I was assured that I would be able to view my report online at experian.com within 48 hours of these updates. Unfortunately, this assurance proved to be unfounded, as I have still been unable to access my credit report and score. 

To date, I have made five attempts to resolve this issue through calls to Experian, speaking with various agents and departments in an effort to rectify the situation and gain access to my credit information. These interactions have not only been unproductive but have also led to further frustration due to the lack of follow-through and accountability from Experian 's side. 

The inability to access my own credit report and score is not only a breach of my rights under the Fair Credit Reporting Act ( FCRA ) but also poses a significant risk to my financial health and business operations. It is crucial for me to monitor my credit to protect against fraud, ensure accuracy, and maintain financial stability. 

Your Report Number is : XXXX Your Investigation ID is : XXXX I am seeking the CFPB 's intervention to compel Experian to provide immediate access to my credit report and score. I believe that the CFPB 's involvement is essential to resolve this matter satisfactorily and to uphold my rights as a consumer. 

Thank you for your attention to this urgent issue. I look forward to your prompt response and assistance in rectifying this situation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

WESTERN UNION HAS FAILED TO FURNISH ME ALL DOMESTIC AND INTERNATIONAL FRAUD INDUCED WIRE TRANSFERS FROM XX/XX/XXXX TO XX/XX/XXXX. THEY IGNORED ALL MY COMPLIANTS BY CFPB AND ALL ATTORNEY GENERAL S OFFICE TO WHOM STATED I NEED ALL RECORDS ASAP SO I CAN FILE CLAIMS AT WETERNUNIONREMISSION.COM, BEFORE ITS TO LATE, DEADLINE ARE FAST APPROACHING.
Product: Checking or savings account

In XXXX I received a card from chase bank saying I opened a account which I did not. It was in my maiden name. I ended up canceling it and got it squared away with chase
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I want the Inquiry removed from my credit report with XXXX ASAP.
Product: Debt collection

this company is attempting to collect a debt that is not owed, putting me further behind during a worldwide pandemic and damaging my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time of " Late Payment '' I incurred Health issues ( XXXX ) that prevented me from paying the agreed amount with the agreed percentage increase. Given 15 U.S. CODE 1665 C, they should have considered reduction in annual % rate. This was not factored into the amount owed. Therefore, I would like to have the late payment reports to be removed. I am of better condition than previously and have reached out to the companies to arrange the payments to be finalized in its full within 2-3 payments. If CFPB can remove these items in a timely manner that would be exceptionally appreciated. 

___________________________________________________________________ XXXX  CREDIT : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX XXXX : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) ___________________________________________________________________ XXXX  XXXX  : *DATES : XX/XX/XXXX ( 30 DAY LATE PAYMENT ) XX/XX/XXXX ( 30 DAY LATE PAYMENT )
Product: Credit reporting or other personal consumer reports

Request for Immediate Action Due to Identity Theft and Data Breach To Whom It May Concern I am writing to formally notify you that I have been a victim of identity theft and a data breach. As a result, fraudulent accounts have been opened in my name without my authorization. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request that these accounts be blocked no later than 4 business days of the receipt of this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 years I have been trying to send my information in to Equifax to lift a freeze that was set on my account without my permission, and every time I would send in the documents and wait for up to 7 business days " they can't find my documents ''. I have sent these documents 5 different times and was given a fax number that was different at least 3 different times. When I asked to speak to the manager, he told me the same thing that the rep was telling me " to send in my documents through the fax number or mail ''. Each time I called they told me the information was correct there was someone else 's name under the account.
Product: Debt collection

I have not given written permission for this account and others to be furnished on my credit report which is required in FCRA 605B and 15 USC 1681a2. I also was not made aware of these debts, nor have I received verification from the creditor including the original contract with my signature, copy of the payment history, and proof of collection authorization.
Product: Mortgage

On XXXX XXXX, 2014 my hoa had an attorney firm called XXXX XXXX XXXX act as the agent/attorney and their trustee all at the same time which is illegal becuase a trustee needs to be impartial. This XXXX XXXX XXXX conducted an auction of my property right inside their office and gave my home away for a mere {$20000.00} to XXXX ( XXXX ) a straw buyer basically. This law group recorded a trustee 's deed upon sale as if they were the real trustee under the deed of trust. My name was removed from title and becuase it was not a real trustee sale I was left with the mortgage in my name. This XXXX claims he purchased the property free and clear of the loan. I still owe XXXX to this property. 
This XXXX files a quiet title against the property and names various parties including myself. Now I am being sued and have no property just the loan. 
I am still being charged by the servicer every month and my credit is getting ruined. Instead of the servicer assisting in this they have done nothing at all to help me. They had their corrupt attorneys at XXXX lie to me, they told me an HOA could not take my property and the HOA did take my property. They gave me incorrect information wanting me to loose my home. This firm is the one that just filed an illegal substitution against the property, without authority FROM fannie Mae.This XXXX, are taking hundreds of these fradulent HOA foreclosures and filing unauthorized substitutions of trustee in trustees that they themselves represent. I have found them on XXXX I am doubtful these attorneys in this case are in there for any good purpose. They even called the servicer seterus and had me blocked from asking questions. Your agency had them unblocked me. I want Seterus to realize what happended to me is a scam and that I am in court fighting, not purposely wanting to pay the money on the house. 
This new attorney for this case XXXX XXXX has fed me a bunch of lies, when I asked why the hoa was receiving over XXXX XXXX dollars in hoa fees when the hoa fee is {$25.00} a month, he responded with a lie. He said that even though it says hoa fees they really are attorney fees. Complete lies. He said that those fees where paid to the Fannie Mae attorneys to file a quiet action. It is completely deceptive it says HOA FEES NOT ATTORNEY FEES. Further, the XXXX attorneys never filed a quiet title it was that XXXX that took my name off the title. This supposed new attorney XXXX XXXX, IS A LIAR. He works for XXXX law firm. 
He says he going to be substituting for XXXX. 
Seterus needs to get an honest attorney on this case, these law groups are corrupt they are trying to steal my home by filing false documents against the title to my property. 
Seterus, CEO, needs to look into these law groups that are claiming to be representing them. They are getting into their data basis and taking over thousands of peoples properties not just mine. 
I want to know who the lender is on my loan because these attorneys have been changing things on my deed of trust. Seterus has done nothing to help ...