23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern : On XX/XX/2022 A loan officer name XXXX XXXX working under the company Home American Mortgage company emailed me with a subject on all Capital letter and bold letters to lock my loan. He didn't even send me a breakdown of numbers how much my monthly mortgage, and other expenses involved. There's no documentation, no explanation, and I didn't even get a chance to ask questions about any type of loan, if I can buy some points just to lower down the interest rate. He just want me to close my loan or lock my rate. I was on vacation at that time and I felt he rush me to lock the rate even if I already told him I am currently on vacation. He still keep bugging me, calling me at night and texting me without asking what will be the best time to call you.I will attached a copy of the email down below. 

On XX/XX/2022, same loan officer XXXX XXXX called me to lock my loan, same situation happened, he wants me to lock my rate without any explanation, he didn't give a chance to ask questions about any type of loan, if I can buy some points, he doesn't provide any documentation of loan estimates what are the breakdowns that includes on the loan, he said he can't send me those until i lock my rate, which is not true because I talked to other loan officer and they would give me all the breakdowns and explain each pages, the content of the documents, on what to expect, guide me through the process of picking the right and best rate for a client. He started raising his voice when I tried to asked questions and he's been refusing to provide me the documentation on the breakdowns of my monthly mortgage. He even verbally told me that " I will be paying XXXX grand on your closing cost ''! He treated me unprofessionally just because you will be paying a certain percentage towards on my closing cost, you have the right to tell me right into my face. This is there offer being an in house lender on XXXX XXXX XXXX. He would pressure me and rush me to lock the rate and would give me a little amount of time to respond and would say, you only have two hours to respond to this offer because this will go away. He is very arrogant, rude and unprofessional. I am looking for a loan officer that can help me guide through the process, explain every detail, give their client the freedom to ask questions and treat his/her client in a professional manner. 

I emailed the manager and CC the Vice President regarding this issue. 

Hoping for your prompt consideration on this matter. 

Thank you.
Product: Debt collection

Comenity Bank has been calling from different numbers and even going as far as blocking their number asking for someone that no longer works here for the last month. I have asked them repeatedly to stop calling as the person they are looking for no longer works here, yet they continue to call. I have told them that I will report them for harassment, but they are continuing to call. 

The number of times they call is unnecessary as well as distracting when one is trying to work. I have turned my ringer off of my work phone as I am receiving multiple calls a day from them and sometimes I miss work related calls because of this. The multiple calls distract not only me but my colleagues as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please view attachments. Please report correct information to consumer bureaus
Product: Checking or savings account

On Thursday XX/XX/year>, My checking account was blocked without any notification. upon calling and being transferred to multiple departments over the phone they informed me that its blocked because they are missing some XXXX information of my wife on a wealth account and hence they blocked the checking account. The same information was provdied to them back in XXXX with acknowledgement from the CITI realtionship mangager ( XXXX XXXX ). On Friday XX/XX/year>, i was on the call with citibank for more than XXXX hours with no resolution with last information to me saying it will be unlocked in XXXX to XXXX hours. On Monday XX/XX/XXXX my primary checking account continues to be blocked and upon calling they indicated that they have no timeframe when the kyc review will be completed and when my account will be functional. This is my primary checking account with paystub deposits and other transactions that go through this account. This is very frustrating as a customer to be block my money with no access to it without my fault. 
There are already several customers impacted by this when i looked up about this issue on the internet.. I request the authority to review the practices citibank has been doing and help protect consumers like me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I was never late ( XX/XX/year>, XX/XX/year>, or XX/XX/year> ) with any payments associated with this account, and I am requesting your assistance in providing a detailed description of the procedures and criteria you use to verify the accuracy of the information reported. I believe the alleged late payments listed are incorrect, and I request that they be thoroughly reviewed and removed if adequate supporting documentation can not be provided. 

Please supply documentation proving that I was late on this account. If you can not provide clear evidence to support this reporting, I respectfully request that you delete these erroneous late payments from my report in accordance with U.S.C. 15 1666B, which mandates that a creditor can not treat payments as delinquent without proof. Additionally, per 15 U.S.C. 1681a ( 2 ) ( i ) ( 2 ) Exclusions, the term consumer report excludes information based solely on transactions or experiences directly between the consumer and the reporting entity.
Product: Credit card

I applied for a Capital One Savor card on XX/XX/year> - I was preapproved and a promotional offer was advertised directly to me ( get {$200.00} back when you spend {$500.00} in your first 3 months, in addition to unlimited 3 % cash back on dining, entertainment, streaming, and groceries ). 

I formally applied on XX/XX/year>, was approved immediately, and was notified that the card shipped to me as of XX/XX/year>. I received a call from Capital One Fraud Protection on XX/XX/year> saying that they need to verify that the application for the card was actually mine. I answered all of their identity questions and on XX/XX/year> provided all the documentation that they requested for further identity verification ( driver 's license, proof of residence for current address, a written letter explaining the situation, my case number, etc ) through a private email link. My permanent address on my driver 's license is different than my current address, which I explained very clearly on the phone and in the written document that I attached to the private document submission link. I was told it was no problem if I provided proof of both addresses ( i.e. driver 's license and a current proof of residence for the new address, both of which I provided ) The next day, on XX/XX/year> they contacted me again and said that " their system did not accept my proof of residence document ''. Instead, they said that I needed to submit a bank statement with full account number, name, and full permanent address. I did so immediately after the call on XX/XX/year>. 

They told me that if I submitted the bank statement, which contained my full permanent address, that my Capital One Savor card would be finally authorized for use. I made it very clear that my bank statement only contained my permanent address and he said that it did not matter as long as the address on the bank statement was also associated with my Capital One Account. He confirmed that my permanent address, which is on the bank statement, is in fact already on my account, and thus, after the bank statement is processed, the card would be unrestricted and ready for use. 

It is now XX/XX/year>, a full month after the card was approved, yet my account is still restricted and Capital One has not processed my bank statement. 

They are trying to restrict the account unnecessarily to eat away at the promotion timeline back so that they don't have to pay me the promotional bonus. I have already lost XXXX month of the XXXX month promotional period to get the {$200.00} at no fault of my own. 

They advertised this offer directly to me, preapproved me for it, formally approved me instantly, and then made it impossible to actually engage in the promotion. They created unnecessary and unreasonable administrative hurdles to prevent me from accessing the benefits that they advertised specifically to me.
Product: Debt collection

In 2010 I went to the emergency room. I gave them my insurance card and all pertinent information. I received a notice from my health insurance company that the claim was submitted but to the wrong address ( state ) -- it should have been submitted to PA. The insurance company sent them a letter DETAILING how to correctly submit the claim. I called and went over all the information again and explained their error. THEY RESUBMITTED TO THE WRONG STATE AGAIN. They were contacted again and the claim was NEVER RESUBMITTED. I have NEVER been without health insurance in my life. I have already disputed this on my credit several years ago and nothing was done except to put a comment " account in dispute ''. Thank you for all your help. XXXX
Product: Credit card or prepaid card

As of today, XXXX Citibank credit cards reduced all revolving credit limits on my accounts ( 3 accounts in total ) by {$15000.00} and advised they were not able to provide any information as to why. I was told it was in regards to an XXXX report they received but there was no new activity on the report for several months. I was told I needed to contact XXXX directly for the reasoning which I did and XXXX advised they simply provide the report to the credit card company and all decisions made were in the hands of the credit card company. I called the citi cards again advising what I was told by XXXX  and then they advised it was a decision by citi bank and not them as a credit card company. Ive been a customer since XX/XX/XXXX with citi and always been in good standing. Ive never had a late payment, always paid more then the minimum and actually paid off all limits on those cards last year down to a XXXX balance. I have a fico credit score of XXXX and have not missed a single payment through all of covid. It feels very unjust that Ive been a good customer with no prior issues and had all of my credit limits removed without justification. I have a feeling this is due to the financial impacts they have faced through the course of covid as a company allowing debt relief and assistance for others and Ive become a casualty of that.
Product: Checking or savings account

A checking account and credit card were opened with Bank of America as a result of fraud. Called Bank of America on three different occasions to correct but continue to receive account statements about my checking account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union irresponsibly used their system to fabricate my credit inquiry history.

Section 6 11 of the fair credit reporting act states you must receive a notification within five days of inquiry reinsertion. I was a victim of a inquiry issue by TRANS UNION. I've notified Trans Union of the error with no effort to have the issue resolved. There is a list of credit inquiries that I believe to be mistaken for someone else 's credit report and none of my current creditors are listed in the inquiry section of my credit report. Listing SIXTEEN credit inquiries on file. Four of which were XXXX XXXX! Two from XXXX. Two are listed as XXXX! XXXX XXXXl. XXXX XXXX. XXXX XXXX XXXX. Two XXXX XXXX XXXX, I researched them and they will finance you a vehicle..at EIGHTEEN PERCENT Why would anyone that?! I called TRANS UNION and demanded they fix my credit report, THEY SAID THERE IS NOTHING THEY CAN DO.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Is Not Reporting all my Credit Cards or Credit History in the Open Trade Lines of Credit Reporting. Over two months ago I was added as an authorized user of One XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 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

I HAVE SUBMITTED TO XXXX XXXX XXXX MY HOME DEPOT CREDIT CARD DUE TO THE FACT THAT I AM IN A FINANCIAL HARDSHIP OVER TWO MONTHS AGO. CITIGROUP XXXX XXXX XXXX ) HAS CONTINOUSLY CALLED ME ABOUT MY HOME DEPOT ACCOUNT. I HAVE SPOKE TO CITIGROUP ON THE PHONE AT LEAST 4 TIMES THAT I HAVE XXXX XXXX XXXX AND THEY STILL CALL ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Checking or savings account

I attempted multiple times to correct an error in a closed account that was reported to the three credit monitoring agencies. After opening an account at a different bank, I used the remaining balance and threw the debit card in the trash. This was apparently picked up and then used multiple times without my knowledge. Transactions that never should have been approved were up and until the amount exceeded $500 in charges. Final bank statements are included in this complaint. The overdraft fee dsclosure that clearly shows me opting out of overdraft services is attached. And finally, the bank's own disclosure regarding overdraft fees in which it states "if we do not authorize and pay an overdraft, your transaction will be declined" is include, meaning by its own admission, none of these purchases should have been authorized at all. Yet they were and then were reported to the credit agencies.The bank is in violation of 12 CFR § 1005.17, in violation of our contractual agreement regarding overdrafts, and in violation of its own stated policies. This debt is illegitimate
Product: Credit reporting or other personal consumer reports

In my seventh attempt to resolve this issue, I would like to stress that this constitutes my sixth endeavor to address the persistent problem. Despite multiple requests, EQUIFAX has consistently denied me the ability to access my personal credit report. They have adamantly refused to furnish any details regarding my credit history. Attached, you will find supporting documents, including a copy of the letter I previously sent to the credit bureau and duplicates of my personal identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( XXXX, XXXX and Transunion ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XX/XX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue. 

2. In XX/XX/XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special Handling US Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!
Product: Debt collection

I spoke to this company on XX/XX/XXXX and asked them to stop calling me as I can not take calls at work and I'm paying my bill now that I have a job. 
Since then I've received a call on XX/XX/XXXX, and another call just now. They identify themselves do not state they're calling on a recorded line and onc either ask who they're calling about they hang up on me. 

This happens every time they call. When I try to call back to tell them again to stop harassing me I get a message saying they're not available and no voice-mail. 

Their number that they call from are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; ; XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00}.