23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The case and complaint I have regarding the dealings and legal court battles with US Bank corp are too vast to post here. I have summarized the initial dealings in a letter to US Bank Corp CEO, XXXX XXXX XXXX in XX/XX/XXXX. Since that letter was written, we have endured ( 3 ) Probate suits, and ( 2 ) foreclosure suits. We are currently in the second foreclosure court action, and have spent over {$20000.00} in legal fees, with little end in sight. To have a multi-billion dollar corporation mercilessly spend tens of thousands of dollars all for a $ XXXX home that all along has had people willing and able to assume the debt, they chose to intimidate and harass us unceasingly to the point of having to file a chapter XXXX bankruptcy just to have them talk and negotiate with us. We continued to make our payments as permissable and until into XX/XX/XXXX, when US Bank decided to no longer accept our payments. Additionally, In the last round of " negotiations '' this last year, the offer they made to us was a equivalent to " bullying '' on the playground. They offered us to maintain the $ XXXX/mo payment as well as then paying an additional $ XXXX/mo for their lawyer and other fees from court and payments. How utterly ridiculous and arrogant of them to assume that. They were well aware that $ XXXX/mo was a much larger payment than required, and is also why we were trying to have the loan modified an assumed in the first place. This leaves me with a earlier proposed question, : what does a multi-billiion dollar corporation need with a $ XXXX home? 

All we have ever wanted was to take over the mortgage for our home ( from our deceased step father ) and allow us to keep our home and the bank make a profit from the loan. They have done nothing short of being unethical, unfair, and outright greedy concerning the entire matter. Please read the letter below, and feel free to contact me with further questions. We only wish to keep our home that we love and have worked hard for. 

Please remember that since the letter attached was written, nothing has changed, the Bank is still mercilessly attacking us to take our home! 

PS : I have more than ample amounts of documentation substantiating our statements. 
Thank you, XXXX XXXX
Product: Credit card

Took advantage of a balance transfer offer with XXXX for $ XXXX on XX/XX/XXXX. As of XX/XX/XXXX check was not received by XXXX XXXX. Called in and XXXX did not know where the check was, and sent it to an unknown address that they said was not the correct one. Issued another check after I confirmed the correct address but will take another 15 + days where I have to pay interest, and my credit score is negatively effected. Will not provide tracking for new check or recognize error, and now I have an extra XXXX sitting in one of my accounts. Will not provide ANY concession for their error. Now I have an extra $ XXXX of credit usage effecting my score, and have to continue to pay interest.
Product: Credit card

XXXX credit card was paid over {$5000.00} in XXXX months to reduce the balance after months of difficulty logging in in XXXX, XXXX and XXXX. Addionally phone calls during XXXX and XXXX were not helpful in getting through. No statements are being mailed and access by phone was spotty depending on phone time if they would pick up after choosing the correct buttons. 

The executive office knew we gave the correct account number for a payment in XXXX of 2024 after we requested she review it. It was not processed because the rep made and error. 

The Citi executive rep was sneaky and wrote back that we provided an acct number and the rep repeated the wrong number and we agreed. If we were driving and could not review the rep repeating their own error that is not our error. We simply did not hear or know to correct their error. 

I have attached the XXXX XXXX for the account number and routing number provided showing no return occurred. That a balance exceed the payment made to Citi NA  We gave the correct account number as it is not known by memory and had to be read initially. 

As a result they did not credit that months payment and created lates XXXX sequential months. 

The executive office should be more honest and forthcoming on their errors effecting consumers. Not dishonest and deceptive by not addressing their own rep making the initial error in payment.
Product: Debt collection

After unsuccessful attempts to dispute a debt with XXXX  and Equifax, I initially contacted Tek-Collect, the debt collection company on XX/XX/2020. I advised them that the debt was paid in full to the original creditor XX/XX/2020. I provided them with a copy of the canceled check. They said it takes 2 to 3 days to verify and update. I contacted them again today XX/XX/XXXX because Tek-Collect updated dispute investigations with both credit bureaus as accurate and unpaid despite being provided proof of payment for the third time. The representative at Tek-Collect refused to provide a supervisor to discuss this matter with. She requested proof of payment again. She advised that they began working on this matter on the XXXX and still needs more time but had to estimated time for completion. She declined to take proof of payment again after being advised that they have received it several times.
Product: Credit card

I have been getting calls from XXXX. Sometimes they do not leave a voice mail. When they do leave one, it claims they are from citibank calling regarding my Home Depot account. I also received a text today claiming I have a {$66.00} bill due. I have not had this account in years. I called citibank and they confirmed this account is closed.
Product: Checking or savings account

Early warning services violate my rights on my fair act consumer law Iam not reliable for any debt that on my consumer report that their try to sale my information to companies without my consent and Ive ask to be opt out their service and system of all sorts I ask to remove me immediately and to opt me out permanently of all their platforms
Product: Debt collection

This company keeps harassing me telling me my credit will suffer and nobody will lend any money when i need it. They also keep telling me ill regret not paying them. They call and call and call all day and night they dont leave me alone and ive tried to dispute this with XXXX  and i dont think they take me serious ... they need to be dealt with i believe because they side with the company as if they know the details of the harassment!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2012, I call the company ( XXXX XXXX XXXX  ) to pay off the account. They told me the account was sent to the collection company. I've tried to pay this account for the past 7 years with so many collection companies. It's been over 7years it needs to be removed from my credit report.
Product: Debt collection

I am a victim of identity theft. Someone opened a fraudulent account using my mame. A debt collector is list on my credit report " Midland Funding LLC '' I need help removing this fraudulent account because Its not my account.
Product: Credit reporting or other personal consumer reports

I stated to the representative...

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, XXXX, Transunion I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 

Please delete the follow inaccurate names : XXXX XXXX, XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX PERSONAL INFORMATION LETTER Regards, XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. 
has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 

I have enclosed copies of my state issued identification and social security number to validate my identity.
Product: Debt or credit management

XX/XX/year> spoke with XXXX at Freedom Financial. Started program with them to handle XXXX XXXX, XXXX XXXX, and XXXX XXXX. He explained that there would be at least 50 % off on each debt. I could only afford XXXX bimonthly. He told me that for 6 months my credit would be bad, but once the creditors started to be dealt with, score would go up. He said there would be a XXXX charge a month for fee to handle this. Also said to try to make extra payments. I'm XXXX and only have social security so it was hard. They said once there was XXXX in my account, they would reach out to first creditor. Not a word that they would take out a lump sum as each creditor was dealt with. So after my homeowner taxes were paid, I paid XXXX bimonthly and a one time of XXXX and XXXX. Last month, they settled with XXXX XXXX XXXX @ month for 6 months. But Freedom took XXXXof my XXXX for themselves. This was never told to me. I was told they would take everything for Freedom after all debts were paid. This is fraudulent. I then cancelled.
Product: Credit reporting or other personal consumer reports

I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under XXXX which makes you financial liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law. 
Please delete the following unverified fraudulent account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
THIS ACCOUNT IS A ERROR XXXX, XXXX MISSING INFORMATION. 
THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.
Product: Mortgage

I have been through an extremely difficult closing process with Quicken Loans Inc. NMLS XXXX XXXX and have had issues with my servicer of previous loan XXXX XXXX NMLS # XXXX. First they took over 6 months to process the loan. I understand that refinance volume is up but over 6 months is way to long. We eventually get to closing, and the first time we schedule closing my name is mispelled on the loan application. 

You would think that the underwriter would see that the loan application has my name incorrectly spelled since they had all of my income verification documents in file. I am guessing the underwriters at Quicken do not review anything. That is a concern. 

So the first closing was scheduled for XX/XX/XXXX with the incorrect name. We rescheduled the closing for the next day at a large inconvenience to my family. 

We planned to go out of the country on XX/XX/XXXX and the loan was expected to fund earlier in the week. The loan did not fund because something was signed incorrectly. I was not called or informed about this issue until I had to call in and figure out why the funds did not disburse. Once I stayed on hold for 1 hour I finally found out what the issue was. I had to speak with a few different people to figure this out. Mind you I was traveling out of the country that day. The stress of this situation was unfair to my family and people I was traveling with. 

Loan Disbursed XX/XX/XXXX, and I figured everything would be fine. I set up my automatic payment with Quicken and I thought that was it. 

On XX/XX/XXXX my wife the co borrrower gets an email saying XXXX has marked us 30 days late. So I call XXXX and they say they have no received the full funds to clear this loan of their books. 

After an hour and half hold the customer service agent at XXXX tells me that they never reached out about this. I call XXXX ( Quickens partner Title Company ) and they pass blame on Quicken and say " it is up to the lender to call me and let me know. '' They were not the title company I chose that was the title company they pushed on me from application. They told me on the phone that they tried calling me on XX/XX/XXXX to fix the shortage issue. 

I never recived a voicemail or a call. The pressing issue is that my credit and my wife 's credit is damaged because these companies did an awful job of communicating and if it was not for me calling each company I would have continued to be late. 

I do not think it is right that my loan is marked 30 days late when it was Quickens responsibility to pay off the mortgage with XXXX and when it didn't go through. 

The issue is due to a lack of communication inside of Quicken. The shortage in funds needed to pay of XXXX came from a incorrect escrow analysis. 

The funds for the closing of this loan were never sent back to Quicken from XXXX. They were notified on XX/XX/XXXX but no one wanted to call me to fix the issue.
Product: Checking or savings account

XX/XX/XXXX : Opened a BMO Harris checking account with the promo code " XXXX '' which included a {$200.00} opening bonus after completion of 2 direct depositions of {$300.00}. 

XX/XX/XXXX & XX/XX/XXXX : Direct deposit terms met. 

XX/XX/XXXX : Bonus was never received. Contacted BMO customer service via secure message to inquire.

XX/XX/XXXX : Final response from BMO stating they can not escalate the issue.
Product: Credit card or prepaid card

I have been trying to apply for another American Express credit card and request an increase on my XXXX XXXX card for over XXXX months. I keep getting denied and I am not being told why. I even tried to provide the requested information to still get denied.
Product: Debt collection

Portfolio Recovery has called numerous times on numerous occasions at my job. I receive at least 5 phone calls a day everyday. they called on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I've asked them to stop calling my job but they continue.
Product: Payday loan, title loan, or personal loan

Went to get car fixed. The total in charges was roughly 4k. Because of covid I could finish the payments withing the three months allotted. They doubled the amount owed to over 8 thousand dollars. The funny thing here is the taxes where on the bill so it should have been part of the loan. Everytime I make a payment they charge me another tax on top of what was included in the bill. Didnt the U.S. get rid of these types of business that are extorting money at an outrages amount. Now I'm being told that they wont work with consumers due to covid and the supervisor XXXX just hung up on me. What can be done?
Product: Student loan

I keep getting harassed at my work of employment by Navient Solution student loans. My manager has spoke to them and stated not to call at my place of employment. That we do not take personal calls at work and to call my personal number. They still keep calling and bothering me. It is to the point that my job is on the line because of all the harassment that my company is looking to let me go. Please help. I am a service member and under SCRA I have been done wrong. Not only have they been adding interest, I was not promised my 6 % APR for my finance. This is just wrong and they wo n't stop to the point that it is ruining my credit. This is a crime.
Product: Money transfer, virtual currency, or money service

Bank of America XXXX BoA ) Savings Account Fraud BoA Fraud Claim XXXX ( Note, a more detailed timeline writeup has been attached as a txt file ). On the XXXX of XX/XX/2021, when I logged in to my Bank of America account, I noticed a massive transfer of money out of my checking account on the XXXX of XX/XX/2021. The sum was around $ XXXX XXXX exact number in documents attached XXXX. It was a payment to an XXXX XXXX ( XXXX ) account NOT owned by me. I immediately contacted BoA, closed the compromised checking account and requested a fraud investigation. I also contacted XXXX regarding the transaction. They did not reveal details to me, but gave me the transaction ID, and told me that BoA should handle it for me. Unfortunately on the XXXX of XX/XX/2021, my fraud claim has been denied. The email simply claimed that my account activity on that day was " consistent ''. I have filed for an appeal simply because how of how ridiculous this conclusion was. Bank of America did not even contact XXXX regarding the suspicious transfer of money. Bank of America has still yet to email me the documentation of their investigation despite agreeing to do so. I even checked with the credit bureaus and XXXX to ensure that the money was transferred to an account that did not belong to me. In addition I requested BoA forward me the documents involved in the investigation ( which the letter claimed was within my right to do so ), but they have still not yet provided me with them.
Product: Debt collection

I own an investment property and at one point obtained a second mortgage on the property which was later paid off. After the financial meltdown in 2007, mortgage holder went bankrupt. Unfortunately, since the event took place more than 10 years ago, I do not have any documentation that shows the release of the lien by the mortgage lender upon my full payment. Years later, Real Time Resolutions now demands payment on the loan which had an original principal of {$41000.00}. Real Time Resolutions " claim '' that they now own the debt but did not provide an evidence of chain of title. 

I refuse to pay twice for the same debt which is already been paid, and urge Real Time Resolutions to release the lien on my property.
Product: Credit reporting or other personal consumer reports

Around the end of XX/XX/XXXX, AppFolio reported inaccurate information on my rental history. Ive never rented from XXXX during 2023 but rented from XXXX XXXX. This inaccurate information caused me to lose renting a home.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of account with your company, Credit Bureaus. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution.

I initiated the process of opening two new accounts with your company, respectively. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, such as delayed access to services I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. 

I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay.

If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly.

Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship.

I kindly request a response to this letter within the specified timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue. 

I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$120.00}.