23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Citbank has been unwilling to do the right thing and correct their numbers as I try to finalize a refinance with another lender. I gave them the option to reduce my interest rate from 4.5 % to 3.0 % and they refused to help me a XXXX Veteran and Senior. Then after giving me a forebearance plan and agreeing to add the payments to the end of the loan they now make the claim that it is a second mortgage which adds interest, fees and claims that are untrue and complicate closing my refi. My loan amount balance, according to their own statement XX/XX/2021 is {$270000.00}. It has not been above {$280000.00} for the past year yet now they claim I owe {$290000.00} when it comes to a payoff. This is an inflated number on both principle and interest and adds fees that are just part of their attempt to grab more money that they have not earned and is not owed. I have tried repeatedly to get them to do the right thing and make fair and honest adjustments and they just send multi page documents full of words and not real facts so they can get more money and hold up my refinance. This is blatant greed and they are undermining my legitimate effort to save myself monies as I am on a fixed income as a XXXX Veteran Senior. I intend to file a lawsuit if they do not make the adjustment. It is in fact a form of discrimination and unethical and unfair practices.
Product: Credit card or prepaid card

XX/XX/XXXX - received mail from USBank Reliacard which I do not have an account with and did not apply for an account with. Mail included a new Visa debit card with activation information ; The Reliacard cardholder agreement ; USBank facts and questions XX/XX/XXXX - called USBank Reliacard at XXXX multiple times and this number always has a recording that will not allow you to talk to a customer service representative and wants you to enter your card information to activate the card and set a PIN number XX/XX/XXXX - called USBank at XXXX and they automatically transferred me to the Reliacard number and automated message per my note above on ( XX/XX/XXXX ) ; called USBank again and demanded that I speak to someone but the CSR said that they couldn't help me as it was a Reliacard and is a totally separate system ; I left my name and phone number for a supervisor to call me back ***my fear is that people will activate the card and create a PIN number and then someone else will have a duplicate card that they will use for fraudulent purposes ***I also fear that my personal information may be compromised
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I went into the bank branch ( Bank of America, XXXX XXXX, XXXX, SC ) to cancel a recurring transfer transaction of {$3000.00}, when I realized that I couldn't figure out how to cancel the transfer on my mobile app. I told the woman there that I wanted to cancel not only the XX/XX/XXXX payment individually, but also the recurring transfer totally. I was assured it was cancelled. The XX/XX/XXXX transfer DID cancel. 

However, in XX/XX/XXXX I received an email that my recurring transfer was about to initiate. I went immediately in to the XXXX XXXX Bank of America branch, XXXX, SC. I wanted to both order a replacement ATM card and cancel the transfer. The " system was down '' so I got the replacement card ordered, but was told to call the customer service line to get the transfer cancelled. So I left the branch and called the customer service line and was told that though the transfer had begun to initiate, the money had not left my account yet so they would be able to cancel it. I reasserted that I wanted the transfer permanently cancelled. 

You can imagine my surprise when I saw that the transfer DID go through, despite my mobile attempt, in-person attempts ( twice ) and my telephone attempt to cancel it permanently, and their assurance that it WOULD be cancelled. 

This was a large transfer, and was the bank 's fault for not executing my cancellation properly. I was told it would be cancelled. So I called " customer service '' on XX/XX/18 and filed a complaint ( # XXXX, case # XXXX ). Initially I was told that it would take up to 45 days to resolve. When I reminded that them it was not an insignificant amount, it was XXXX, and IT WAS THEIR FAULT, they promised to resolve it within 5-10 days. 

It is now XX/XX/18 and when I called " customer service '' today ( XXXX XXXX, to XXXX ), I was told it was pending and could take up to 45 days. I reminded them it was a {$3000.00} transaction, not a {$15.00} one. This timeline is unacceptable, and when I was told this was just the procedure, I said I would take it up with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is the police report, my drivers license and social security card for identification purposes for XXXX and Equifax to block the information, accounts and credit inquiries listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Debt collection

I did not receive any correspondence from the collection company about their ownership of this account!!! 
XXXX communication. 
It just popped up in XXXXXXXX XXXX XXXX on all my credit reporting agencies as collection account from Vance and Huffman for more than {$4000.00} ... .... 
I had no idea who they were and whom did they represent. I started to dispute this collection account with all the bureaus ... ... XXXX, XXXX and XXXX. 
Vance & Huffman kept replying to all the bureaus that debt is verified and legit. 
I have filed over 12 disputes and they were all rejected without any explanation. 
I finally called them not too long ago and was told who the original creditor was. 
Original creditor was XXXX XXXX, I received Pay Day Loan from them in XXXXXXXX XXXX XXXX 
I suffered XXXX XXXXXXXX XXXX next month and became XXXX XXXX. I have reached out to XXXX back in XXXXXXXX XXXX XXXXXXXX and explained my situation. They refused to cooperate with me or help me. They Charged Off this debt on XX/XX/XXXXXXXX  ( see attached email ) and I NEVER heard from either them or anybody else in regard to this matter, until this collection account showed up on my credit in XXXX XXXX XXXXXXXX from Vance & Huffman. 
which was more than 4 years after charge-off by XXXX.
Product: Checking or savings account

On XX/XX/2019, chatted with company representative asking that my account be closed. Representative indicated that account would be closed within 2-3 business days. On XX/XX/2019, received an automated call indicating my closed account had a negative balance of {$58.00}. Upon logging into my account, I see that company has not closed the account as requested, has charged a monthly maintenance fee of {$25.00}, and has charged the account a {$34.00} overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, JPMCB BUSINESS BANKING  add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

I was informed that aI needed to file a complaint since I have a checking and/or savings account with Wells Fargo bank between XXXX. I have had accounts with Wells Fargo since 2004. I was told that a class action lawsuit was underway. So, I wanted to be sure to be included.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and havent heard anything back. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXX XXXX XXXX XXXX, CO XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by XXXX credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to XXXX, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from XXXX is inaccurate when XXXX  list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX demographics. 

The loan is dated XX/XX/XXXX, with application # XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX. I had buyer send me XXXX for product. But I got email there is a PROBLEM TO SEND XXXX MORE then you will be rein burst the remainder. The XXXX payment was bank of America My bank was XXXX  XXXX but my bank shows no info about any of this. Here is first email is bellow. The second confirmed the XXXX difference and the XXXX was FBI warning that I was being investigated if I didn't return the money within a hour!!! 

Dear, XXXX XXXX XXXX XXXX XXXX sent you money through Bank of America with XXXX XXXX Your sender is registered with a XXXX member bank that supports payments in real time. You'll usually get their payment in a few minutes. 
amount : {$1300.00} To : Regular Checking XXXX Credit posts on : XX/XX/2022 Available now : {$0.00} Confirmation # : XXXX Pending Review Important information : Your XXXX payment is under review : Follow this instructions below to resolve the issue. 
We have a problem crediting your funds ( {$1300.00} ) because of your account is not a Business User which makes your account have limits. This amount seems to be above your limits so you have to take this urgent step to expand your limit. 
Expandyour account into a business account, contact your buyer XXXX XXXX XXXX ) to send in an additional payment of {$380.00} into your XXXX account to expand your limit. Soon as this is done, we will credit your account with the whole sum of {$1600.00} IMPORTANT NOTE : An alert email has been sent to your buyer ( XXXX XXXX ) in regards to the {$380.00} additional payment to send, we will secure this transaction with high priority that neither the buyer nor the seller will lose a dime in this transaction. 

Ask XXXX, " Reply Email For Any Complaint?
Product: Mortgage

My loan was taken over by Loan Care ( XXXX XXXX ) around XX/XX/2019. They have failed to provide me proper accounting upon take over. They have required an additional escrow repayment even though XXXX had just required that before take over. I have paid both additional escrow reserve requirements to ensure no hiccups. On XX/XX/XXXX, I called Loan Care because they had not posted any of my payments and showed I was 3 months behind. I had to provide proof of payment. This took hours! Mid XXXX, I paid the escrow reserve payment of {$110.00} again. On XX/XX/XXXX it came out of my account. As of XX/XX/XXXX they still have not posted it. I have called 3 times and sent 2 emails and they refuse to take any proof that my bank has provided. Now they are saying my XXXX payment is late even though I have provided both a transmittal form from ( XX/XX/XXXX ) the bank and a copy of my bank statement showing they took funds XXXX. They refuse to take that proof either. They have posted a late payment and are now reporting me 30 days late. On XX/XX/XXXX I have spoken to them again and they still refuse to take any proof of funds received. I can not keep calling them monthly when I pay on time. I have always paid on time. I have several mortgages and a 750+ credit score. I can not get through to any real person at Loan Care that can actually correct the issue. A consumer should not have to continually call and proof that a huge mortgage company has their money. This is a waste of time and I can assume I am not the only person having issues. I may be the only person taking the time to make a formal complaint.
Product: Debt collection

XXXX XXXX XXXX has continued call my employment I have made the statement I am currently going through debt consoling and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, filing this complaint independently without any involvement from a third party. I have attached letters to provide you with detailed information regarding the inaccurate reporting in my credit report. The reported information shows inconsistencies and untimely dates across the three credit bureaus : XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times through dispute letters, and XXXX XXXX XXXX has had them verified with incorrect and missing information. I will attach a copy of 2 accounts reported by Experian and verified by XXXX XXXX XXXX. These accounts both have the same account number. I only remember 1 account, since I would not not need a 2nd account with the same credit limit, both are joint. This is an error on XXXX XXXX XXXX reporting 2 accounts with the same account number. I contacted XXXX XXXXXXXX XXXX and asked them for a copy of the payment history I was told XXXX XXXXXXXX XXXX that they did not have any reports for this account number. The account number as reported by Experian XXXX .... XXXX XXXXXXXX XXXX This was reported by Experian Report XXXX XXXXXXXX for XX/XX/XXXX. the only difference was one account was reported as opening XX/XX/XXXX and the other account opening XXXX of XXXX since there is no other way to see any difference i will use the date opened. The XX/XX/XXXX- has Terms Not Report INACCURATE, Monthly Payment Not Reported INCOMPLETE, Recent Balance Not Reported, This account shows an open date from XX/XX/XXXX and closed XXXX XXXX ( 4 Year 1 month ) The payments history shows only 12 payment periods. Yet when I asked for a payment history from XXXX XXXXXXXX XXXX  could not provide a payment statement. The second account with the same number which was opened XX/XX/XXXX shows Terms for ( 1 months )??????? There are 12 months reported on the payment history. The 2nd account with same number has an opened date of XX/XX/XXXX This account shows closed XX/XX/XXXX. How can an account be closed before it was opened INACCURATE??????? On this same account information such as monthly payment and Recent Balance are not report INCOMPLETE, This was verified by XXXX XXXX. There are so many mistakes on this report from Experian that have been verified by XXXX XXXX XXXX. FCRA Section 609 and 611 require creditors and credit reporting companies to provide accurate information on credit reports. If accurate information can not be provided then the account is to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 237 DAYS SINCE I FILED A DISPUTE. I FILLED A 60-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Debt collection

Recieved a letter from this collection agency on XX/XX/18 regarding a phone bill debt that was already deleted and discharged by another debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have requested unauthorized items to be removed from my credit report. I have submitted a copy of a notoarized FTC Report also a copy of my id and ss card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I requested a deferment from Sallie Mae and provided XXXX letters from my physician and my mental health professional at the Department of XXXX Affairs certifying my unemployability due to XXXX. To date, Sallie Mae never provided me with a decision on my request for deferment. Instead, Sallie Mae responded with repeated demands for payment by email, robocalls, and collection calls. Sallie Mae also responded by providing negative reports to credit reporting bureaus. 

I followed up with another letter asking for a decision on my deferment request and asking for the harassment to stop, attaching my first letter along with the accompanying physician and mental health professional notes. 

Sallie Mae did not acknowlege the two letters I provided from my XXXX XXXX XXXX XXXX XXXX XXXX but instead provided a form requesting the same information. Sallie Mae then proceeded with daily robocalls, collector calls, and emails demanding payment. 

After providing Sallie Mae with the same information regarding my unemployability due to XXXX, Sallie Mae proceeded with daily robocalls, collector calls, and emails demanding payment. No decision regarding my request for deferment has been made.
Product: Credit reporting or other personal consumer reports

I am writing to report multiple inaccuracies on my credit reports from all three major credit bureausEquifax, XXXX, and TransUnion. These inaccuracies stem from unauthorized accounts that were likely created as a result of the XXXX data breach that occurred in XXXX. 

Details of the Incident : - Date of Breach : XX/XX/XXXX - Discovery of Inaccuracies : I first noticed the unauthorized accounts on my credit report in XX/XX/XXXX. Action taken I disputed the XXXX accounts in XX/XX/XXXX and they came back verified with no proof of verification from the companys. 
Unauthorized accounts ( Not my accounts ) XXXX account # XXXX transunion XXXX XXXX XXXX account # XXXX transunion XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, transunion XXXX XXXX XXXX account # XXXX XXXX, XXXX, transunion XXXX XXXX XXXX  account # XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally report that all three major credit bureausEquifax, XXXX, and TransUnion are currently reflecting inaccurate and unauthorized accounts in my name. These accounts appear to be a result of the XXXX data breach that occurred in XXXX, which compromised the personal information of millions of Americans, including myself. 

Despite my efforts to dispute these inaccuracies directly with the credit bureaus, the erroneous information remains on my credit report. This situation is causing significant harm to my creditworthiness and overall financial health. I request your immediate assistance to ensure that these unauthorized accounts are investigated and removed from my credit reports. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Specifically, under XXXX, I have the right to obtain a copy of my credit report and to be informed of any information that is being reported. Additionally, under XXXX, I am entitled to have inaccurate or incomplete information corrected or deleted if it can not be verified as accurate. 

Furthermore, the XXXX and Accurate Credit Transactions Act ( FACTA ) provides me with the right to request that any fraudulent information resulting from identity theft be removed from my credit report. Since these accounts were created without my authorization, they fall under the scope of this XXXX. 

I urge the CFPB to investigate this matter thoroughly and to facilitate the removal of these unauthorized accounts from my credit reports as soon as possible. My credit file should accurately reflect my credit history and not include any accounts that do not belong to me. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/2018, I received a latter from A.R.M. Solutions stating I owe a debt of {$12.00} to XXXX XXXX. I have never had a XXXX XXXX subscription ( or received a newspaper delivery from them ) and when I contacted the XXXX XXXX, they were unable to locate me in their system. I then wrote to A.R.M.  Solutions asking for proof of the debt. They have refused to provide proof of the debt but continue to send me letters demanding payment or they will report it on my credit reports. I do not owe this debt and demand proof of the debt. They refuse to provide this proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed   XXXX   XXXX   XXXX   and won dispute and it was deleted off my credit report and all of a sudden it reappeared. I won the dispute so it should not be reporting back on my credit report.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me. Thank you. The company is XXXX XXXX XXXX XXXX XXXX XXXX. It is now in collections with Spring Oaks Capital LLC