23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX : {$240.00}
Product: Debt collection

Bought a timeshare through XXXX XXXX while under the influence. I emailed them to cancel it within the 120 day period and it was being disputed. Did not have any contact with debt collectors, assuming that this was taken care of. I tried to get a mortgage, and found out through a credit report that they had filed to collect once again. I only found out through the credit report about the collection. I still have not received a phone call, email or even a letter telling me I still owe them money. It has been in dispute all along.
Product: Checking or savings account

Subject : Missing Direct Deposit Due to Service Disruption On Wednesday, XX/XX/year>, I was scheduled to receive a direct deposit of {$2000.00} from my employer into my Capital One account. Despite the funds being confirmed as sent by my employer, the deposit has not been credited to my account as of today, XX/XX/year>. 

I contacted Capital One customer service on XX/XX/year>, and was informed that there is an ongoing issue affecting deposits due to a service disruption. However, I was not given a clear timeline for when this matter would be resolved or alternative solutions to address my immediate financial needs. 

This delay has caused significant financial stress, as I rely on this deposit for essential expenses. I request an immediate resolution and clarification on when the funds will be available in my account. Additionally, I would like an explanation of the issue and what steps are being taken to prevent such disruptions in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$130.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

We had a mortgage, credit cards, and bank accounts with Wells Fargo and a lot of the activity on each of the accounts werent adding up. The mortgage was under my and my husbands name XXXX XXXX XXXX
Product: Mortgage

I received a letter in the mail in XXXX from PHH confirming an escrow refund to me for {$1000.00} which would be mailed separately. Because I never received anything as I was out of town, I call PHH on XX/XX/XXXX and I was advised check was already mailed and to give it some extra time. Nothing was received so again I called back on XX/XX/XXXX for a new check and was advised that a new check couldn't be provided until after XXXX which is 30 days from when the original check was issued. I called back on XXXX and was transferred to an escalation manager which said they would call me back in a few days because the treasury department had to do some research then get back to me. As of XX/XX/XXXX, still NO CALL back so I called PHH again. I was transferred to another escalation manager ( XXXX - XXXX ) which stated that someone did call me but was transferred to my voicemail yet I received messages/ calls. I was then informed that the " check '' was cashed. I advised it wasn't by me and that this is now a stolen check because I have been out of town due to my mothers death. I was asked to question the 2nd party on my account ( XXXX XXXX, my husband ) but unfortunately for PHH that was not an option because he's been out of town with me as well for my mother 's funeral / passing. I was then advised that an email was sent to me to show where check was cashed and to confirm signature which I never received. I asked to have this email resent to me and of course still nothing! At this point I feel like I'm going around in circles and would appreciate nipping this all in the bud. It's easy to nag me when a payment is due but I swear it's worse than pulling teeth to get what's owed to me! Please have this resolved immediately. Whatever check was originally sent was NOT cashed by myself or husband and any proof needed can be provided. Please have check reported as stolen and PLEASE send me my escrow refund, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

They have this on my report and it is identity theft.
Product: Mortgage

Roundpoint mortgage sent me a notice indicating that my escrow account was going to have a shortfall so in XX/XX/XXXX they increased my escrow payment by over {$200.00} dollars per month. By XX/XX/XXXX I was already struggling to make that increased payment so I signed onto my online account and noticed that what they had indicated on the escrow increase was not true. Instead of a escrow shortfall I actually had a surplus. I wrote to them at that time that I wanted a new escrow analysis done since my escrow account was too high. They did not respond to my written request so I called in XX/XX/XXXX to explain the situation. They agreed to do the new analysis, but when it was completed my escrow payment only went down by approximately {$50.00} dollars, and they sent me a bill for an escrow shortfall. I did not pay the bill. However, in that time, I have been late on my payments while my escrow has continued to increase to the current balance of {$6500.00} ( XX/XX/XXXX ) and my XX/XX/XXXX taxes and insurance has been paid. I just called Roundpoint again to tell them that the analysis was wrong. The service representative told me that they would complete a research which will take until XX/XX/XXXX, and then if they find an issue they will do a new analysis within 10 days. At their timeline, the issue wo n't even be addressed, if at all, for another month. Having made my initial request in XX/XX/XXXX, I believe that they have adversely affected my credit standing, created financial hardship for myself and my family, and have exceeded the amount that they are legally able to collect in my escrow 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 debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you 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 XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXXXXXX : {$130.00}, XXXX XXXX XXXXXXXX ; XXXX {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report fraud for the following accounts that I have disputed with all XXXX credit bureaus. The credit bureau told me to add all the companies I am disputing in one FTC fraud report and not to complete it individually. 
1 ) XXXX ending in XXXX 2 ) XXXX XXXX XXXX  ending in XXXX 3 XXXX XXXX XXXX  ending in XXXX 4 ) XXXX XXXX XXXX ending in XXXX 5 ) XXXX XXXX ending in XXXX 6 ) XXXX XXXX  ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer report an agency can not furnish a account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under open and consumer as late for any purpose.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX XXXX I have identified inaccurate accounts that need reporting and correction through your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and report discrepancies,XX/XX/XXXXXXXX XXXX and Zelle failed to adequately investigate. I was informed that recovering lost funds was impossible and tracking the money wasnt a feasible request.
Product: Mortgage

Request transfer of VA appraisal from M & T bank to XXXX XXXX XXXX and they have yet to receive it. M & T took 4 months of no return calls to address my concerns and/or requests. Attempted to schedule closing once they received notice to transfer. As a XXXX veteran.Ive never experienced such horrible treatment nor has a VA loan ever take 4 months. Follow up email was further degrading. Please assist with this transfer if possible. XXXX XXXX XXXX, XXXX. Thank you
Product: Mortgage

I emailed the following on XX/XX/XXXX to help@rocketmortgage.com, which has since been updated with more statements of fact : I just had the most unhelpful interaction with a Rocket Mortgage employee ( XX/XX/XXXX and XX/XX/XXXX ) and I wanted to let you know that I don't appreciate it. I called on Friday XX/XX/XXXX to find out when my PMI will drop off my home loan ( XXXX ) after receiving a notice in the mail from Rocket Mortgage with details about removing the PMI. I got unwittingly got transferred to XXXX XXXX in sales, who told me that she would " check and see if she could get it off earlier than the XX/XX/XXXX date ''. She said she had to run my credit to do that. I didn't sound right but I figured that she was being forthright because she is properly trained and held to the ethics and disclosure standards of a financing company. The PMI is very low at roughly $ XXXX a month. 

I didn't hear back so I followed up with her XX/XX/XXXX. On a follow up call today she said that the only way to get PMI off early would be a re-finance ( at a much higher interest rate ) or an appraisal ( estimated at {$500.00} ). Neither of which am I interested in and this should have been disclosed during the conversation on Friday XX/XX/XXXX. 

This puts a bad taste in my mouth because your company is a loan company, held to certain standards of fairness and disclosure by the Consumer Financial Protection Bureau. By not disclosing this information ahead of running my credit and then trying to sell me on another product- is just tasteless and unethical and calls into question how ethically responsible Rocket 's business practices are. In addition, I got two follow up sales calls to try and get me into another loan in the days following my call with XXXX on XX/XX/XXXX. It's clear that their priority isn't servicing the client, it is reaching their sales goals. 

I just became a customer in late XXXX when I refinanced and I want to be able to trust the company that I am working with for my largest purchase. This calls into question aggressive sales tactics that are misleading and unethical. I will no longer call them with the understanding that they are there to service my loan, but I will take a more defensive approach knowing now that they are okay with misleading existing customers to get to whatever their sales goals area.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the American Express Platinum Card. For months, I would go to the Amex website and run their promotion tool to see if I would be able to get the XXXX signup bonus. This was a promotion that was offered to me in XX/XX/XXXX but I went with the Amex Everyday card instead. When I finally saw the XXXX signup bonus - I took it. On Friday XX/XX/XXXX I called Amex to see how much I had left to hit XXXX of spend to qualify for the signup bonus. It was than that I found out that I was being refused the XXXX signup bonus. The rep could not find any reason for the denial the made sense. I never had the platinum card in the past. I only had two Amex cards and they were still open and in good standing. He promised me that he would escalate this to their customer care team and follow up with me. He also told me to spend the money to hit the signup bonus so that they would have a reason to say no. He said he would follow up me and I did as he instructed. I called Amex on Thursday XX/XX/XXXX to follow up on the escalation and found out that it was never sent. The customer service rep lied to me. The next rep said that they would escalate it and transferred me to her manager where I left a message and asked him to pull the call from Friday and to please follow up with me. That never happened. On XX/XX/XXXX I called Amex again to get an update where I spoke with someone named XXXX. This individual lied to me several times. 1st she told me I was denied the signup bonus because I had the card in the past. When I told her I did not she placed me on hold for several min and then came back and told me I was denied by the marketing dept on XX/XX/XXXX and that they send me a letter. I told her I open all my mail and would have noticed that. She placed me on hold for another several min and then told me no correspondence was sent to me. Then she told me the offer was denied by their legal dept and that they did not have to notify me of their decision per their terms and conditions. What American Express did to me is the epitome deceptive business practice. The targeted me with a promotion and approved me for a card. Then they change recall the promotion without notifying me. They then profit by accepting my {$550.00} annual fee, merchant fees and me charging thousands of dollars because of their lack of transparency. Then when I find out about their unfair and manipulative business practice - I am repeatedly lied too and they hide behind their vague and ambiguous terms that they can deny a bonus for any reason and that they do not have to inform of tell you of that decision.
Product: Credit card or prepaid card

Dear Sir/Madam This is to file a complaint to Citi with regards to my sign-up bonus for Citi Prestige credit card account. The Prestige card is associated with XXXX TYPs after spending XXXX $ within 3 months. I opened my account on XX/XX/XXXX, and continued to use the card for everything I need to meet the requirement for obtaining the sign-up points. I didnt receive the points as expected after I spent over 8000 $ last month. I contacted and chatted with the Citi staff and was told my Prestige card is not associated with a sign-up bonus program, because I closed one Citi credit card one year ago. This is not the exact truth. 
1 ), I never closed any Citi credit card. One of my Citi Divident card was closed by the Citi Company, not by myself. I even called to check what happened because that Divident Citi card is the longest card I owned since XX/XX/XXXX. I want to keep that credit card for ever! 
2 ), The Citi Prestige card has {$450.00} annual fee, while the Citi Divident card has no annual fee. The provision clearly stated the eligibility for the XXXX point sign-up bonus for the Prestige for not closing Citi Prestige, Citi Premier and Citi Preferred cards in last 24 months. There is no word to mention Citi Divident card. 
3 ), Mostly importantly, my application was approved by phone ( not by online application ). I talked with the staff who handled my application, and was told Im no problem to get the sign-up offer after I spent XXXX $ within three months. 

I trusted Citi company as I have been its customer for over 12 years, but what happened to me seems a " trap ''. I chatted with the Citi representative via phone, and the staff only offered me XXXX points for courtesy ; that is not what I want. Without sign-up bonus program, I mostly wo n't apply for this card associated with XXXX $ annual fee, even I need one due to too much travels these recent years. This is my first time to file the complaint. What I need is a fair treatment. This happened but 1 ) it 's the Citi, not myself, who closed my other account without my permission ; 2 ) wrong or unclear advertisement without showing the type of the card involved ; 3 ) customer confirmation already via phone for the sign-up bonus when applying for the card. As a customer, I feel so wrongly treated, so I filed with an expectation to get more attentions for my case, and I need get back my XXXX sign-up points as advertised, before I will keep stay with the Citi in future. 

With best regards ~ XXXX
Product: Debt collection

I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX XXXX and XXXX. I have filed a complaint with the state insurance office who regulates XXXX XXXX XXXX  and have a bill from State Farm and the car company thats says I owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$62000.00} XXXX  XXXX Balance : {$29000.00} XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : - XXXX  XXXX Balance : -
Product: Debt collection

I am getting harassing calls on my cell phone and in my office from the phone number XXXX. I did not answer the phone because I did not recognize the number and have had to file for this type of incident before. When I XXXX the number. a listing for Van Ru Credit came up with listing of harassing complaints. They do not leave a message, so I am unaware as to why I am receiving a phone call from them. 

Van Ru Credit CorporationXXXXXXXX XXXX XXXX XXXX, Illinois XXXXhttp : //www.vanru.com/Contact.htm
Product: Debt collection

Portfolio Recovery acting on behalf of XXXX XXXX Bank repeatedly called me XXXX times within a XXXX XXXX hour window. Yes, I owe a debt to XXXX XXXX, but the account was NOT in a past due status. I attached XXXX call logs from my phone showing a number from XXXX and the times they called.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a couple of inquiries on the same day in XXXX. They were for XXXX XXXX, XXXX. The company for XXXX is call XXXXXXXX XXXX XXXXXXXX. I have never spoken to anyone at XXXX 's that would require a credit check. I have never shopped at XXXX XXXX period. 

The other is for XXXX. It says XXXX XXXX but cuts off. Not sure if it 's XXXX XXXX? Either way, I did not agree to anything requiring a credit check here either.