23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

You are reporting a account named XXXX I asked to send proof of this alleged account being mine and have yet received any documents .You are furnishing a bad account upon my name and is defaming my character and puttung a habdicap on numerous tjings im trying to acquire. 

pursuant to 15 usc1681a4 you did not insure that this information is accurate and you did not exercise your grave responsibility with dair and impartiality..YOU TOOK ONE SIDE OF THE STORYand never consulted wuth me to find out if this transaction event took place.As a result of this privacy was breached and violated my right to privacy.

pursuant to 15 usc 1681a3 your company assumed this role.You were not given express permission by me the consumer or a competent court of jurisdiction .So, not only did you fail the initial investigation of this information.You also assumed this role and assumed this information was valid.Which is violation of my consumer rights. 

DO NOT SEND A MESSAGE TO SEND YOU ANY SUPPORTING DOCUMENT I DO NOT HAVE TO SEND YOU ANYTHING YOU HAVE ENOUGH INFORMATION YOU DID NOT ASK FOR MY INFO WHEN REPORTING IT THE FIRST TIME DO NOT STALL TO DELETE THIS ASAP YOU HAVE 15 DAYS UPON RECEIVING THIS MESSAGE.
Product: Mortgage

My insurance and taxes are included in my monthly payment. They are refusing to pay the insurance premium from my escrow account. It's a rental and a fire policy only is required since liability is on my primary home which I pay.
Product: Mortgage

I had autofinance fraud attempted at XXXX XXXX XXXX and also XXXX XXXX XXXX and the same day Fifth Third Bank shows also a credit inquiry to my credit reporting service and I have absolutely neve had anything to do with this bank and it is identify theft I tried to call this bank and they wanted all sort of details and would not transfer me to fraud and I gave my name only and she wasnt interested and seemed incompetent and keep asking me for my bank account no which does not exist so I am forced tofile this complain. I do not have any details as fifth third bank was useless when I called. and its listed on my credit report the bank with someone unknown faking my identify tried or did something.
Product: Credit card or prepaid card

On XX/XX/2020, credit cards and one debit card were stolen from my wallet at XXXX XXXX XXXX in XXXX, VA XXXX between XXXX and XXXX. One of the cards included - Citibank Double Cash card XXXX XXXX XXXX XXXX. There were 2 charges that were charged on my credit card 1. XXXX XXXX # XXXX for {$2000.00} 2. XXXX XXXX  # XXXX for XXXX I called in and reported the card stolen around XXXX on the same day. I was told that an investigator will call up to get further details. 

A case was filed with XXXX County Police Department ( Case # XXXX  XXXX XXXX ) on the same day ( XX/XX/2020 ). 

After a week of charges showing up and No call from an investigator, I called up on Sunday ( XX/XX/XXXX ). I was told that investigator will call me up on Monday ( XX/XX/XXXX ). I called them up again on XX/XX/XXXX that I did not receive a call and what was going on. 

Most credit cards issue immediate credit. I was told by XXXX the representative that no one is even working on my case. It is in a line and it will be worked after all cases received before me are worked on. I gave her the police case number and additional details. I was told it will take 1-2 billing cycle to resolve the case. When asked for credit so i dont have to pay late charges or interest, i was told it is not the policy to do that and citibank does not issue credits anymore because people are reporting false frauds. Also, I do not have to pay the charges that are disputed. I asked for any document that says I have disputed the charges for my records. She said they do not do that. Their legal department has not issued a template for that. So what is my record - I have none except for my voice conversations. When I said what if interest is charged on the unpaid amount - the answer was it will be adjusted later. When i asked for a supervisor, i was told the line is closed and they will call me within 24-48 hours
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureaus reporting inaccurate information.
Product: Debt collection

A representative XXXX from law offices called me a firstly did not mini or maxi miranda me. I did not fell as though I was treated as at least a sophisticated consumer nor treated with dignity, respect or manners. When I asked the female representative to please send me something via post mail because there are lots of scams and phising companies to get consumer identities and money. If she would send me a validity of the debt, she expressed " i 'm not going to send you anything we have been sending you things since 2015 and you have n't paid us ''. I explained that as a consumer it is my right to have a written copy of this debt she still explained that she is not going to send me anything and that I can come and get one in the office which is in XXXX. I then explained that that city is miles away from me and that I am unable to go and retrieve anything from the offices. Representative XXXX hung up on me Upon reviewing my credit report, this debt is not on my credit report and representative is perhaps lying about the debt or the validity of the " law offices she works for ''.
Product: Debt collection

On Saturday, XX/XX/2018, I paid off two auto loans at the Huntington Bank branch located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. As both loans were paid prior to maturity, the teller assisting me had to determine the payoff amounts. The teller said that he would waive the early payment penalty provision on one of the loans ( for a XXXX XXXX ), and that,  according to the teller, the other loan did not have such a provision. I wrote two checks for the payoff amounts ( {$5700.00} and {$9900.00} ) the teller provided to me. The checks were debited/posted to my checking account on Tuesday, XX/XX/2018. 

A few weeks later I received a notification ( via mail ) that one of the loans ( the XXXX XXXX loan ) was delinquent. I called the phone number on the communication and spoke with Huntington representative who said that the notification was sent because an early payment penalty had not been properly waived in the Huntington system, and that he would conduct the appropriate process for the fee to be waived, and the corresponding late fee that had been applied by Huntington would also be waived. 

Several weeks later I received another written communication from Huntington, and the bank began calling my place of employment. When I returned the call and explained the situation, I was told I had to speak with a supervisor for resolution. After waiting on hold for many minutes, I was told the supervisor was not available but would call me back. The next day, while I was in a work meeting, I received a call from a person who identified himself as " XXXX XXXX '', and asked me to call him at a specified number. I call the number and asked for XXXX XXXX, but was told there was not a XXXX XXXX that worked for Huntington Bank. When I explained the situation and the reason for my call, I was told the late fees had now doubled. The woman that I spoke with on the call was rude and arrogant. She said that a supervisor would call me, but that call did not occur, only more calls to my work from agents without the ability/empowerment to honor the commitment of two other Huntington representatives.
Product: Mortgage

On XX/XX/XXXX, of this year I applied for a loan though Alliant Credit Union 's online application to refinance my current mortgage, later that day I received an email from XXXX XXXX requesting further information to complete the application. 
I swiftly provided the requested information and subsequently received another email from Mr. XXXX verifying my base salary, he also stated I have you approved and attached todays loan summary. Mr. XXXX requested a few minutes of my time to lock in the rate and review next steps. I replied to his email asking him to call me at his earliest convenience which he did shortly after. 

As soon as Mr. XXXX heard my voice he immediately tried to talk me out of continuing with the loan process, he asked what was my position at XXXX XXXX and I stated that I was a XXXX XXXX  ( this information was on the loan application. ) He then stated that because of my reduction in hours I would not be approved for the loan ( we had no prior discussion about reduction in hrs. ) I asked why he assumed that I had a reduction in hrs and told him that I was not laid-off or on any type of leaves and was not experiencing financial difficulties. I then explained to him that I chose to be on call due to the fact that I would not be XXXX  as much during covid-19 but I am still receiving my pay from XXXX XXXX. I also advised him that I had recently paid off my car loan with Alliant before that end of the loan which is not the actions of someone who was in financial distress. 

I was astonished at the fact that Mr. XXXX had seemly changed his mind about approving me for the loan after calling me. My credit score was still over XXXX and my year to date earnings was still $ XXXX. The only new information he gained from the call was that I am XXXX American, I had to convince Mr. XXXX to continue my loan process which he claimed he would do, but he also had a warning for me that I could loose the {$420.00} which I would be paying for the appraisal if my loan was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an autopay set up for my credit card using a XXXX checking account, I recently switched my checking to XXXX XXXX so on XX/XX/XXXX I logged in my account Citi credit card account and I updated that XXXX account with my new XXXX XXXX Account. 
The reason I updated is obviously so my autopay will have a valid account to withdraw from. I have done my job and updated my file. Yet I have received a call from a Citi representative on XX/XX/XXXX saying that I was 30 day past due which was a complete shock to me! 
I have been a Citi card member since XX/XX/2008, I have NEVER been late on my payments, not with a Citi nor with any other bank. My credit speaks for itself. Since this incident I have suffered enormous emotional stress as I have worked hard for years to have an exceptional credit score and as a XXXX XXXX XXXX this 30 days late will have a seriously negative impact on my business. 
The 30 days passed due on my credit report is inaccurate so I am requesting that this item be removed immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to rent an apartment and the company ran a credit report. On that report it showed that in    2014  I owed {$4000.00} plus dollars to a company called  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX  MI. I have never lived in that area and during that time lost my identification and Social Security card. I believe this is a case of identity theft and need to resolve this issue in order to clean up my credit so I can rent an apartment in  XXXX   XXXX  MI.
Product: Debt collection

I requested validation from Procollect Inc XXXX and have not received any legal evidence from them that I owned them anything. Procollect made claims that they received all rights of interest and assignment when they purchased the account, they are automatically violating the Statute of Frauds. They are in breach of the alleged contract because they can NEVER fulfill the XXXX 's obligations from the original contract. The right of subrogation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXXThis includes attempts to collect based on assignment, sale/purchase, or trade. Also Per IRS publication, CHARGE OFFS is income and can not be on a consumer credit report since it is considered a certificate of indebtedness. 

I have no account with them, have never signed any contract to do business with them, I am expressing my rights under the FDCPA to demand that they Cease & Desist ALL collection activity and All communication with me regarding their accusations. They have caused harm and distress because I can not obtain new credit because of their false claims. Procollect committed identity theft against me and they need to close their file immediately and remove their information from my credit report as having it on there is collection activity which violates federal law since they have failed to validate.
Product: Mortgage

The new company paid my previous mortgage off late. Then the balance paid off did not match the balance owed. I know have XXXX mortgages. I can not get anyone to respond for assistance and have my old company calling me for collections. The company is village capital and loan officer is XXXX XXXX.
Product: Debt collection

I have been wrongfully moved into a dwelling that has mold highly present throughout the entire space. XX/XX/year> I moved into my apartment. I had many work orders that went without remediation but that is aside the point. I noticed a XXXX seeping substance coming out of my guest bathroom wall that is hardly ever used. I reported this immediately on XX/XX/year> via a work order. They painted over it and closed the work order after must pulling of teeth for urgency. They denied me after multiple work orders and emails back and forth that it was in fact not mold or mildew, the property XXXX called it dust. A hole was then cut into the ceiling exposing this mold. XXXX poured out and insulation immediately fell. I trashed everything in my bathroom and didnt stay another night there due to me being a chronic asthmatic. On XX/XX/XXXX, XXXX, & XXXX I sent letters stating my problems and calling for 7 day remediation as of XX/XX/XXXX. They hired no licensed professional as requested to XXXX this issue. I have paid rent in full and on time each and every month. I gave them a notice to vacate on XX/XX/year> in which they took no action against and started to blow me off, ignoring work orders, calls, and emails. Even stopping at the office in person no remediation was available. I spent {$410.00} to have a licensed professional perform a mold test multiple ways. It came back with a XXXX page report on all of the toxic, problematic molds that were present inside of my dwelling in the walls, vents, and airways. I then spent {$630.00} to move all of my belongings out of the dwelling. I have been to the XXXX  and have been prescribed more XXXX  and a XXXX  to help. This entire unit is completely unlivable, I had to move out for my health.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is FIDELIS RECOVERY MANAGEMENT. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.
Product: Credit card

I've recently applied for a business credit card/auto loan with Capital One and received a letter ( paraphrasing ) that part of the denial is that I had other accounts that I didn't keep in working order and have tried to rectify and cure those accounts. One of the bullet points mentioned that I wasn't made to be a suitable member of Capital One? again I'm paraphrasing this here.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


MEMBER XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

The account on my credit report is as follows. 
DISCOVERBANK Account # XXXX This company recieved my letter of dispute and has not responded. The only way someone couldve opened an account with them in my name is through obtaining my personal information, i misplace my identification documents all the time. This alleged Debt is not mine. Ive called them and they were very rude in helping me This is very sloppy. 
they havent validated this debt with any proof, when i called i asked what did they have that proved i owed this debt they said they could send me the list of charges on the account which i know isnt adequate per my knowledge of Consmer Laws i dont want to be all fancy and list the exact laws but if need be i will be doing so
Product: Credit reporting or other personal consumer reports

It is not belong to me. It is fraud! This is causing me a lot of XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

State Home Mortgage was in possession of a check in the amount of {$200000.00} payable from XXXX my insurance company for losses my home incurred as a result of a fire XXXX XXXX, 2016. On Thursday XXXX XXXX I received a call informing me that the loan ( XXXX ) was paid off. That decision was made due to miscommunication at State Home Mortgage. 
I did not receive answers to my questions regarding loan pay off ; I did not sign an agreement for pay off, I did not receive an email or phone call providing answers to my questions regarding loan pay off, nor the company 's intent to pay off the loan! 
XX/XX/XXXX, I left a voice mail for XXXX XXXX ( XXXX ) expressing my interest in discussing a loan pay off. I called back within 24 hours and spoke with her. 
Expressing my intent to rebuild the structure, I also posed several questions including pay off amount and role of mortgage company regarding quality assurance. My decision to pay off the loan was contingent upon answers to those questions and more. 
Although XXXX XXXX understood my need to secure answers before making a final decision, she was incapable of providing them, noting the complexity involved in my desire to rebuild and payoff the loan. She eagerly promised to speak with XXXX XXXX and/or others with expertise in the area and call me back later that week. 
Upon notice of the loan 's payoff, I immediately sent emails ( XXXXXXXXXXXX and XXXXXXXXXXXX ) requesting the decision be rescinded with explanation. 
Finally I likewise secured legal counsel.
Product: Credit reporting or other personal consumer reports

I am writing regarding the regulations outlined in 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. It has come to my attention that you have neglected to fulfill the requirement to indicate that a specific account was under dispute within the stipulated 30-day timeframe. This omission constitutes a violation of this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked in written form numerous of times for the credit bureau to investigate and provide method of verification to me regarding the inaccurate errors on my credit report. To this date that have not but yet these errors still remain on my credit report. The law states that must verify this incorrect information and provide me with their method of verification, they have not done so, so by law they have to remove the errors.
Product: Vehicle loan or lease

This complaint is off of a closed complaint ( complaint # XXXX ). I had a loan with Wells Fargo and they would not remove the incorrect balance. So what I did is had this account negotiated for paid in full for less than full balance.The agreement was that I pay {$1900.00} in return as paid in full and report a XXXX  ( {$0.00} ) balance. I made the payment and they told me they can not send me a letter until after the payment was made. I think they tricked me because now I still have a balance of $ 4,000+. I have all correspondence needed to show you. 

They told me this would be paid in full for less than full balance. They have lied to me and took advantage.