23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My area was hit by a bad hurricane last year and we are still trying to recover. It has been a finacial struggle and I have tried to tell the company and they don't want to hear it. They said they would keep calling me until I made a payment. I have tried and they ask me personal questions about my bank account, how I'm paying my other bills, if I could borrow the money etc. I have told them I would send a payment as soon as I could and they said " we will keep calling until we get a payment '' I have tried to tell them not to call I would go make a payment as soon as I could. Being that my husband and myself aren't working it's hard to pay a bill when we are struggling to pay the important bills.
Product: Mortgage

I Did a modification with Bank of America in XX/XX/XXXX, so around XX/XX/XXXX.or XX/XX/XXXX. 
I started receiving copies of my modification packet stating while reviewing the documentwe noticed that XXXX or more items were missing in order for it to be recorded at the localcounty recorder of deed. Bank of America wants me to sign the new modification papersI had an attorney to do the modification I was even offered XXXX dollars to sign, but Ido n't Trust Bank of America.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a Citi XXXX XXXX credit card account that was closed without proper notice. Citi claims the closure was due to an inactive XXXX membership, but I had renewed my membership on XX/XX/year>. I never received any warning emails, and Citi has acknowledged no emails were returned as undeliverable, yet they continue to hold me responsible. 

After the account was closed, I requested it to be reopened and asked for my earned cash back rewards, but Citi refused, citing policy even though I acted in good faith and tried to resolve the issue. To make matters worse, they are still charging interest on a closed account, which I believe is unethical and possibly illegal. 

I no longer wish to reopen the account I simply want the rewards I earned refunded and the interest charges stopped. I am asking for your assistance to resolve this fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nagy Federal added amount for tax assessment change to current loan balance and thats illegal
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, Fair collections & Out due to false charge on credit report. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX  ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Mortgage

I have come out of forbearance at the end of XX/XX/2021. They told me they have turned our loan over for loan modification. I am still getting letters advising me that I am in default and eludes that they plan to take my house if I don't pay. I have received many letters like the one I am downloading to you.
Product: Debt collection

This company has harassed my entire family. They have contacted my ex-husband who had XXXX connection to me. They have left my first and last name and the reason for calling on family and friends voicemails. They have contacted my landlord who has XXXX relation to me. They have left personal information of mine on friends voicemails after being repeatedly asked to receive proof of debt then continued to lie and say they only did it once. I have proof of more than 37 calls dating back to 2022 to friends and family and this has invaded my right to privacy.
Product: Debt collection

I called IC System Inc on XXXX 2021 and asked for a debt validation and verification letter about a collection that they put on my credit report this XX/XX/2021 acct # XXXX for the amount of {$580.00} which was a medical bill dated back on XX/XX/XXXX.she informed me that they didn't provide any such letter i just mentioned above and i had to talk to the original creditor which is XXXX XXXX XXXX XXXX i called them and they said it was out of their hand and the account was closed which lead me right back from where a started from didn't get any resolve or satisfaction to this matter .this medical bill is to old to be on my credit report and Georgia statue of limitation of 4 years already expired have tried to dispute this with several credit bureaus but IC system keep verifying this account as legit and correct when i know is not please help I need this collection report off my credit report
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 XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I submitted a Consolidation Form to the USDOE and received the email below. My response is at the bottom. Why is Sallie Mae involved? 

XXXX XXXX To : XXXX " Fri, XX/XX/XXXX at XXXXXXXX XXXX Dear XXXX XXXX XXXX Thank you for your interest in the Direct Consolidation Loan Program . We received your application ; unfortunately, were unable to complete your request because of one or more of the following reasons : Your references address is missing. Please provide street address for XXXX XXXX. 
We will need : Complete street address City, State, Zip In order for us to complete processing your application, please call us at XXXX within 3 days so we can obtain any missing information. If we do not hear from you, your application may be canceled. Were here to help you Monday Friday XXXX XXXX XXXX XXXX XXXX ET. 
We appreciate the opportunity to serve you. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX Fri, XX/XX/XXXX at XXXX XXXX I am looking to consolidate my Perkins loan with loans made the through the Federal Student Aid via the Department of Education. 
You appear to be Sallie Mae, a private agency. How did you obtain my Consolidation Form? 
Please advise. 
XXXX XXXX
Product: Mortgage

My initial complaint XXXX named XXXX XXXX XXXX and XXXX as subservicer ( account XXXX ) in this matter. It turns out that XXXX  ( account XXXX ) was responsible for the shady practice of reporting my payment late when it was, in fact, timely and discrepant. XXXX  sold my mortgage loan to XXXX immediately following this shady report. 

XXXX followed up only to implicate XXXX and told me they could not resolve the issue. 

All the detail I provided in the initial complaint then, would directly apply to XXXX  as the company at fault for incorrectly reporting. 

I am not sure it is true that XXXX can not correct this? 

If true that the complaint must be shifted to XXXX  in order to get it resolved, would you please be kind enough to re-process the complaint noting this update? 

Thank you! 
XXXX XXXX
Product: Mortgage

On XX/XX/2022 my wife and I received an escrow disclosure statement from our Mortgage servicing company -- Freedom Mortgage, XXXX, IN. The statement determined that our escrow account had a surplus of {$1000.00}. A check was enclosed to reimburse the funds. The letter then stated that in order to address the escrow imbalance they were going to adjust our payment with an increase of {$12.00} per month to rectify the imbalance going forward. I called the customer service number and had 3 different conversations regarding this payment increase. After going round and round for almost three hours I was connected to the " escalations department '' that handles difficulties with customers at a higher level. The representative was a man named XXXX. He seemed more reasonable and understanding of my issue and stated that he would forward my case back to the escrow department for review and then get back to me the following week. It has been almost 2 months since that conversation and we have yet to hear back from Freedom Mortgage. I have 2 complaints : 1. Increasing my payment even though I had an escrow surplus, and 2. not giving me any option to adjust the escrow in order to keep my payment the same. I have encountered this similar problem in the past dealing with escrow imbalances and we were given the opportunity to make adjustments to keep the payment the same. Being senior citizens on fixed incomes we resent being bulldozed by a loan servicing company that manipulates borrowers with slippery slope payment increases. Please investigate this matter.
Product: Credit reporting or other personal consumer reports

Kohl/Capone I have asked repeatedly to submit me a purchase agreement. I also submitted a violation code of 15 u.s. code 1681i ( 5 ). Removal of inaccurate invalidated credit information. Validation 604 15 usc 1681b. 15 U.S. 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit report from LCI in the month of XX/XX/2022 via mail, as well as made a CFPB COMPLAINT ON XX/XX/2022. 

LCI is a credit reporting company which reports information without my written consent to to other credit bureaus. 

I have attempted to freeze the credit report with them which has been unsuccessful and they have not provided the credit information they are reporting to me in writing or online. 

After 41 days and counting They have not responded to my previous CFPB complaint either.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed this account multiple times with Equifax. I was told it would be deleted, but the same XXXX XXXX XXXX account continues to be re-reported under a slightly different name and amount. i am a victim of identity theft and this fraudulent account is harming me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Denied credit. when reviewing credit report from XXXX found GLELSI/XXXX XXXX XXXX  XXXX indicating open balance of XXXX. XXXX XXXX XXXX XXXX, WI XXXX BYMAILONLY This account was fully paid off. XXXX dispute site non-functional.
Product: Credit card or prepaid card

I need assistance as I have been trying since XX/XX/XXXX to get a payment refund on account ending in XXXX ( XXXX XXXX Credit Card ), in the amount of {$4600.00}. As the total balance was debited from my checking account vs. the min. payment. I have called multiple times to try and resolve this matter. I called on XX/XX/XXXX and was told that the refund process had an error on Synchrony 's part and that it had to be resubmitted. On XX/XX/XXXX I was told that the refund check had been approved and was issued on XX/XX/XXXX. My credit line was decreased while waiting for the check to be issued, I called on XX/XX/XXXX and I was informed that the credit line decrease would not impact the refund process or the refund amount. I called today XX/XX/XXXX and spoke with 3 representatives and was informed that the check has not been issued, and they were unsure why it has not been issued. I was also informed today XX/XX/XXXX by the third representative that I spoke with that no one could contact anyone in the refund department to see why it has not been issued and sent out and to request a status update on when to expect the check to be issued and to be in my hands.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$7200.00}, XXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$2700.00}
Product: Checking or savings account

I have a checking account with Bank of America, and last night ( XX/XX/2019 ) I went to the ATM to withdraw {$800.00} to pay my nanny the next day. I only had {$310.00} in my account, but I had scheduled a wire transfer from my XXXX XXXX account a few days earlier, and it was set to arrive today ( XXXX ). These transfers always complete overnight, so I wasn't worried because the BofA ATM has a message which claims you'll only be charged an overdraft fee if the funds aren't available overnight. So I withdrew {$800.00} and didn't expect any problems. 

I've done this several times in the past with BofA and haven't been charged fees, but this morning, for some reason, I was charged two {$35.00} overdraft fees even though the wire transfer completed overnight and there were funds in the account the following morning. One was for the cash withdrawal, and the other was for a XXXX payment my wife attempted to make about 2 minutes after I withdrew the money. 

I was pretty upset by getting {$70.00} worth of overdraft charges, since I had been playing by the rules as I understood them from the prior behavior of the bank, as well as the message on the ATM regarding overnight funds. 

I called BofA just now and the first customer service representative flat out refused to refund either fee. I asked to speak to a supervisor, and was connected to XXXX, the Deposit Floor Manager at the customer service facility in Montana. 

To my shock, XXXX informed me that my wire transfer with the incoming {$1000.00} was 'only 1 minute 13 seconds late '. She claimed that the money withdrawn from the ATM that night was a 'loan ' and the overdraft fee constituted 'interest ' on that loan. I was also given a long lecture about how all this was in the fine print of my account holder agreement. She then claimed that the bank had to draw a 'line in the sand ' against people like me and that there was nothing she would do to fix the problem. 

After persisting with XXXX for roughly 20 minutes, I finally convinced her to waive one of the {$35.00} fees, as a 'customer courtesy ', but she insisted that the bank was playing fair and refused to refund the other {$35.00} fee. 

I was not aware that I was taking out a loan from the bank when I accessed cash from my checking account in a manner I've done many times in my 22 years with BofA, and if so, an instant {$35.00} interest charge for an {$800.00} 'loan ' is an outrageously high amount, akin something a shady payday lender would do. 

I'm hoping that the second fee can be reversed because I'm on an extremely tight budget and every dollar counts for me and my kids.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is refusing to remove an account from my credit report that is fraudulent and inaccurate. The account is not in my name and I provided an FTC report. I also have a private court document that shows that my phone was stolen and retrieved from an abandoned building. My identity was stolen, fake bank accounts were created, my social media was stolen and I am still unable to access it. Goldman Sachs has no wet signature from me nor do they have proof that I opened an account with them. They also stated in complaint XXXX they charged off the debt however they are still reporting a balance They never sent a XXXX as the claim was written off. I will be reporting this discrepancy to the IRS as well. Since it was done in XXXX, XXXX  XXXX had ample time to send out this document. Despite that issue, they are violating my FRCA rights by reporting inaccurate information to the credit bureaus. Just because their bias team has done an investigation, doesnt mean that their findings are accurate. I demand that they forward all of their investigation document for my record, so that I may forward them to my attorney for our own investigation. This fraudulent account has cause a severe impact on my life as I have not been able to obtain work or secure a mortgage as it has dropped my XXXX XXXX over XXXX points. I will b pursuing legal actions as well as damages for their defamation of my character and liable by publishing inaccurate information about me to the credit bureaus for lenders to see and judge me. I am in grave disparity and this has caused significant mental anguish. I have submitted all of the documents requested of me and will continue to defend myself against these frivolous and false claims.
Product: Credit card

Last year I applied for Capital One Spark Business card, and the initial application described the card as a " signature '' card. In every case, a " signature '' card of a higher limit with certain benefits regular cards do not have ( lower interest, considerably higher credit lines, and other incentives ). It is my contention that by advertising a " signature '' card and then opening an account with the lowest limit possible ( XXXX ), CapitalOne is using deceptive advertising to lock consumers in to an account that can not possibly help them. It is a pattern and a practice, and the fact is an account of this particular type and limit does little for someone like myself who has graduated to XXXX limits and the perks that come with that. My XXXX XXXX dropped and my profile itself will likely suffer as I have no choice but to close it. It should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts that appear on my credit report, without any authorization, do not belong to me, please review them XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine.

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/XXXX XXXX XXXXo XXXX XXXX XXXX XXXX, MN XXXX Acct # XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : XXXX XXXX is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX thru XX/XX/XXXX you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reported on XX/XX/XXXX thru XX/XX/XXXX Deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I need the above transactions deleted from my consumer reports! Best regards, XXXX XXXX Enclosed : copy of ID
Product: Mortgage

We have our tax and home insurance escrowed with our mortgage company ( Ameris Bacnk ) so our monthly payment incudes mortgage, tax and insurance. In XXXX of this year, we received a notice from our home/auto insurance company that our policy was to be cancelled for lack of payment. Since we do not pay our home insurance directly we contacted our mortgage company to see what was going on. After hours on the phone they deferred us to the insurance company that makes payments for them. After more hours on the phone, we discovered our mortgage account was on hold, not from our lack of payment ( we have never missed a payment and pay extra every month ), but because the mortgage company was selling our mortgage to another. Thus, the paying insurance company said the could not make a payment while the account was on hold, even though they had the money to do so. We also discovered our account had been on hold since XX/XX/2021 and we were just now finding out about it. 

We immediately contacted our insurance co. so they were aware of the situation. We were told that it should be cleared up within the week. Fast forward a month filled with hours upon hours of phone calls and transfers, the paying insurance co. still would not pay, nor refund our money so we could pay and so our home insurance was cancelled. Now, my home was no longer protected, but my auto insurance went up because we no longer had the " bundle discount ''. 

After two more weeks the hold was finally released on our account. But now we had to set up a new policy with our insurance provider. We did only to find our home insurance costs were going up about $ XXXX now due to market increases. Regardless, we created the policy and the paying insurance co. finally paid. 

Then, Ameris Bank send us a letter telling us that since WE allowed our home insurance to elapse, WE had to carry hazard insurance now that would add and extra {$3000.00} a year to our payment. We obviously argued that our insurance would not elapsed if they had not put a hold on our account and not paid it with the money we had already given them. At this moment, they have reduced that {$3000.00} payment down to {$700.00}, but I refuse to pay it. They promptly threatened to send me to a collections agecy. Please be aware that in all of this we have still not missed a payment. We feel helpless and cheated.