23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On Tuesday, XX/XX/XXXX, I called Selene Finance to once again request mortgage statements be sent to my home. In addition I questioned why our last mortgage statement dated XX/XX/2019 showed a balance due in the amount of {$5600.00}. We were told by XXXX that we did not pay XXXX, XXXX and XXXX. I explained that we in fact are current and requested a payment investigation. XXXX informed me that it would take 7 days to complete the investigation. I called back on Friday, XX/XX/XXXX and once again spoke with someone named XXXX. He informed me that the investigation was not yet completed. I stated to him that the problem with this is that if they haven't posted all of my payments that there is no way possible my mortgage interest statement is correct. He then cut me off stating that his department didn't have anything to do with that. I told him, when I call Customer Service they always defer me to his department. Further proof to indicate that it's incorrect is that my statment dated XX/XX/2019 shows an outstanding principal balance of {$240000.00}. The 1098 shows an outstanding principal balance of {$240000.00}. 

I would love to file my taxes but moreover I would love to have accurate records and competent servicer servicing my account. 


Please help me resolve the issue.
Product: Vehicle loan or lease

Volunteered to return vehicle with no set penalties or a credit report and company did opposite
Product: Credit card or prepaid card

Hello : There is more than one choice from above, but that can't be done. I have pd off one capital one acct and am paying off an other quite well. I received a pre approval offer in the mail and went on line. I filled it out and found I was instantly approved I called in because of the approval and int rate. Too bad. I tore up the mailed offer so can't provide it. Limit {$300.00}. ok for what I want as a senior. I was trapped to having the card. Each time I used it I paid in full. XXXX  XXXX  notified me that my score had gone down so I checked, then called capital one. My score went down because I was up {$19.00}. My limit was {$300.00} ; I had used XXXX ; XXXX ; XXXX, each paid for on the day I received my check. ( before the due date ) The final statement from capital one was if I ordered after the bill printed on the XXXX, and paid before the due date of the XXXX there would be no effect on my credit score. The amts charged were no where near the limit. I do not want this card and I do not want my score affected. This is not right. My statements on capital one and the XXXX and XXXX statements on XXXX XXXX support this. I do not know how to attach those things, but will give access.
Product: Credit reporting

I was attempting to move into an assisted living property because, I am a XXXX. I contacted the the phone company so that the phone service would be working by the time I moved. Unfortunately, after a few months of renovating so that my XXXX would fit the landlord decided to rent to someone with the family who was able to pay a higher rental payment per month. I let the phone company know in time before had to vacate the premises and payed the last month of service after canceling. It was simply an accident that I ended up finding out after all this time I was charged an extra month. I 'm being charged for service I never received. I would appreciate your assistance in any way possible with this matter. Thank you and XXXX bless you, XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I submitted a dispute since I recognized that there was a substantial charge on my account that was not mine. Citibank replaced my card + credited my account for the charge and removed it from my account and on XXXX XXXX they removed the credit and closed the dispute in the companies favor... .I did not make this charge and let them know it was fraudulent. Why are they holding me responsible? It was for {$5000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

RESIDENT VERIFY Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Chase banks ' policy is- {$50.00} or less and the account will not incur overdraft/insufficient fees. I transferred the necessary funds as soon as I got out of work and brought the account down to - {$50.00} before the new day and still incurred an overdraft fee then that overdraft fee caused a domino effect and my account incurred 3 more overdraft fees before I got paid this morning. {$130.00} of my small check already gone, taken by a greedy company. I have XXXX kids who depend on me, XXXX are special needs, we do not get food assistance or rental assistance and we have to pay for insurance through work. I need that {$130.00} for groceries at least, since my checks haven't even been enough to put towards the rent still owed, the light bill ( that's in jeopardy of being shut off ), the water bill ( that we need to hire a lawyer for but haven't had the extra funds ), and then there's the typical every day/week bills from a household of XXXX. This isn't the first time Chase has done this to me then when I try to fix it they tell me they can't because of some policy but they're the ones who took money they were not entitled too.
Product: Debt collection

I am reaching back out as I have been unsuccessful with reaching the company. I have have called the number listed on my credit report and have been repeatedly told they do not have an account for me. My daughter 's attorney was able to send me a print out of her bill from XXXX Fire and Rescue and I am awaiting my print out from my attorney from my accident. I am not sure which ride this case is referencing but I am very upset and confused as to how I am being billed for a service that has previously been included in my accident as well as my two insurance companies. Also, the phone number needs to be corrected on my credit report so I can properly reach out. 

Previous Complaint I received notification that I am being changed for an ambulance ride while in an accident. I have reached out to the original creditor XXXX Fire & Rescue department as this balance is an error. I have not received any update to my request. I then received notice from Security Collection Agency ( SCA ) advising I owe for this debt. At the time of the accident, my family and I was ensured with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX as secondary. However, due to this being an accident the charges were included in the accident settlement. I am asking that XXXX & SCA delete this account immediately from my credit report and their records as I am not liable for this debt. I am also following up with my attorney who represented me during this accident to see my next legal course of action.
Product: Credit card

I was trying to get financial assistance to pay bring down my interest and monthly payments and was told that I did n't have the option available.
Product: Credit card or prepaid card

Closed credit card account last XX/XX/XXXX. After informing Chase in writing to close the account they contacted me via telephone and and confirmed that the account was closed and the balance was XXXX. In XX/XX/XXXXI received a notice that there was a balance. Apparently after my notification to close they account they posted two more transactions for a total of about {$80.00} to the suppedly closed account. They did not communicate this to me but have been applying late fees and interest without advising me. The amount is now about {$260.00}. The late payments are also reflected on my credit report.
Product: Mortgage

I ask that your supervisors look into a complaint sent in last year concerning ( BOA ) Bank of America and execute an administrative proceeding on my behalf. On the first complain which I submitted to your bureau, BOA unnecessarly foreclosed on my home due to failure to conduct a modification in a timely factor, refused my right of appeal and inadequate service in calulating our income and financials. By your bureau contacting BOA, there office of the president refered me to there consumer advocate which was suppose to handle the concern but it conducted themselves in the same manner which caused the unnecessary foreclosure due to there neligence. I would appreciate for your supervisor to look at previous documents and documents which I will enclose in the mail with file number, in case BOA have lost again, so this matter can be resolved and BOA pay redress in equitable monetary relief and damages for there mishandling on the matter. BOA has given me the run around since XXXX and its now XX/XX/XXXX. The BOA advocates kept passing me along and asking to resubmit documents and statement they should already had multiple times and still making the same mistakes.
Product: Credit card or prepaid card

I was charged by XXXX XXXX for a renewing membership of something I no longer use. The card they used expired in 2019 and doesnt even have the correct address information. They refused to help me when I reached out. I contacted Discover ( the financial institution of said card ) and they refused to help claiming the merchant does not need accurate up to date information to charge me. How does that make sense? How are we so backwards that a company may charge my card when the information I had originally given them clearly listed XXXX  as the expiration of said card. Even on their own website it says EXPIRED in bold red letters. Discover refused to help me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the pysical verification of the original signed consumer contract -any and all accounts you post on a credit report.
Product: Credit reporting

As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$890.00} to XXXX for XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$890.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against VELOCITY PORTFOLIO GROUP, INC. d/b/a CKS PRIME INVESMENTS, LLC, for committing XXXX theft. I have never given CKS PRIME INVESTMENTS , LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. CKS PRIME INVESTMENTS , LLC stated in CFPB complaint case number XXXX, that they've " purchased this account on XX/XX/XXXX '', which is a violation pursuant to 15 USC 1692e ( 10 ) and is known as securities fraud and aggravated identity theft. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with CKS PRIME INVESTMENTS , LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract, giving CKS PRIME INVESTMENTS , LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from CKS PRIME INVESTMENTS , LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CKS PRIME INVESTMENTS , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I'm well aware that a consumer report is a means of communication pursuant to 15 USC 1681a ( d ) ( 1 ) and I've sent CKS PRIME INVESTMENTS , LLC, a cease and desist letter of all illegal activity, any communication and collection activity, of this and any alleged debts until CKS PRIME INVESTMENTS , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This account still remains on my consumer report because CKS PRIME INVESTMENTS , LLC, chose to ignore my cease and desist letter. THIS IS MY FINAL ATTEMPT OF GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT BEFORE PURSUING LITIGATION CONCERNING THIS SERIOUS MATTER. If this documentary evidence can not be produced and CKS PRIME INVESTMENTS , LLC, continues its collection efforts, I will file for litigation for actual damages caused and CKS PRIME INVESTMENTS , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I'm also requesting A FULL REFUND of the settlement that was made pursuant to 15 USC 1692h.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX CARD has not been updated since XX/XX/2022, it should have been updated for XXXX being that the balance was paid in full. It about to be time for a whole new statement In a few days for XXXX and they never updated XXXX statement info, I should get XXXX points back because they took XXXX points from me for this account in XXXX for my being not even a week late.
Product: Mortgage

On XX/XX/XXXX, I was told by my lender, Loan Depot, that I was approved for Loan Mitigation and I would be receiving a statement with a lower payment. 
About a week later I received a letter form loan Depot denying my mitigation due to not being with them for 12 months. 
I then contacted XXXX XXXX from XXXX XXXX XXXX, filled out there papers on line and sent them {$1000.00} on XX/XX/XXXX to fix this problem. I continued to get calls from Loan Depot and they heard nothing from XXXX. I realized it was a scam and did not pay them further. 
I called Loan Depot and explained what happened and we trued loan mitigation again. They would not accept any payments from me unless they were to pay the past due in full which was already {$7000.00}. 
I again was denied mitigated payment due to not being with Loan Depot for 12 months. 
I began a new process with XXXX XXXX XXXX XXXX her in Indiana. They have been tryin to help for over a year. 
I received a call about a month ago from the VA guarantor and they advised me they can not get any response from XXXX/Loan Depot concerning my loan. They have agreed to waive the 12 month requirement, but XXXX/Loan Depot will not respond the the VA. I was told by XXXX, that this is an ongoing problem with XXXX/Loan Depot. 
Now my house is going to Sheriff sale XX/XX/XXXX and I will have to file Bankruptcy. I do not believe that I have been treated fairly or justly from Loan Depot/XXXX.
Product: Credit card

I am writing to address a concerning issue regarding my application for a U.S. Bank XXXX XXXX credit card, submitted on XX/XX/2023. 

Following my application, I did not receive any further communication regarding the status of my application. Concerned about the lack of updates, I contacted your credit card underwriting services on XX/XX/2023 via the provided telephone number, XXXX XXXX. During this call, I was informed by an agent that my application had indeed been approved, and I was advised that I would receive the credit card within the standard processing time. 

However, despite the assurance, I was surprised to find no further correspondence from U.S. Bank regarding my application status or the actual delivery of the credit card. In an attempt to seek clarification, I visited a U.S. Bank branch in XXXXXXXX XXXX. Regrettably, the banker was unable to retrieve any information regarding my XXXX XXXX credit card application. Consequently, I was advised to reapply for the same card. 

Upon reapplying, I received notice that my application was denied. This conflicting response prompted me to seek further clarification from the credit card underwriting service. To my dismay, I was informed that my initial application had been closed due to my failure to respond to a written notification regarding additional identity verification within the 30-day period. Regrettably, I did not receive any such communication from U.S. Bank. 

I firmly believe that the approval of my first application substantiates the validity of my claim regarding the lack of communication from U.S. Bank. It is disheartening to face rejection in my subsequent application solely due to a communication breakdown within US Bank 's system.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME XXXX XXXX POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance - Balance updated - Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance - Monthly payment - Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at consumer 's request and dispute investigation completed, consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX, XXXX, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}