23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Servicing charged my mortgage on XX/XX/2021 $ xxxxxx paid by xxxxx on behalf of xxxxxx who is assisting me with mortgage at xxxxx account xxxx. 
The correct amount should have been {$630.00} because I paid {$380.00} on XX/XX/2021 to total {$1000.00} for XXXX mortgage resulting in an overpayment of {$1000.00} that should have been refunded by Friday XX/XX/2021 due to 10 day processing time for refund. SPS instead applied over payment to next month XX/XX/2021.
Product: Checking or savings account

I opened an account with Citi in XXXXXXXX XXXX XXXX  with a targeted promotional offer of XXXX XXXX XXXX miles if I completed a few steps over the initial 90 days of the account being opened. I completed the steps within the first 30 days, which included using my debit card on at $ XXXX worth of purchases and having two direct deposits of my paycheck, which had to total $ XXXX. The promotional offered stated you would get the miles 30 days after completing the tasks. I called in XXXX to inquire about why I had not received the miles, particularly because I returned my direct deposit to my primary checking account and I was being charged $ XXXX as a service fee to keep this Citi account open. They told me it was 30 days after the 90 days that I would get the account. I explained that it was, in fact, past that deadline. When the individual on the phone did the math he said, oh..I 'll have to put in the paperwork for them to open an investigation. I never heard back, so I tried a few months later to use the chat feature in the app. The supervisor on chat told me he was not authorized to talk to me about it, and he would fill out paperwork for an investigation. I never heard back. When I tried to call again they asked me for a " secret word '' that I had established when I registered, my mother 's maiden name for example, and I told them my mothers maiden name and they said that wasn't the word and hung up on me. I have now paid close to {$100.00} in fees keeping this account open, and I am frustrated that I was targeted for this promotion and the bank is refusing to honor their side of the promotional offer AND making it impossible for me to even close my account if I wanted to. It is extremely predatory and fraudulent, and I honestly don't know what else to do to get this resolved. I have read XXXX threads where others have discussed having the exact same experience with this exact same promotional offer. With many of those individuals citing the high amount of fees they paid just to keep the account open in a hopes of getting the promo they were promised.
Product: Checking or savings account

On XX/XX/XXXX my account fraudulently debuted for XXXX . I called my bank usaa and they were confused as well the title was atm adjustment fee after 1 week of going back and forth a representative called and said she will oersonnly call me on Monday XX/XX/XXXX and it never happen. It will eventually come on my credit and I am not trying to go through that especially when it not my fault. After calling them almost every day and spending more then 50 minutes on the phone getting transferred around. I am starting to lose hope.
Product: Credit reporting or other personal consumer reports

I made a request to rent an apartment to a corporation XXXX XXXX XXXX. I let them know that my credit bureau was FROZEN and that they would let me know to unblock it. 

Today I received information that they now had access to my COMPLETE credit history. I called TRANS UNION and the representative told me that this was impossible, that no one can have access to my COMPLETE credit bureau, since it was FROZEN. 

I attach as evidence the document that describes that they did have access to my COMPLETE credit history and that the FREEZE function does not work. 

XXXX XXXX XXXX via XXXX. XXXX XX/XX/XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The representative told me that this is impossible and that she should send the evidence. Then the call hung up and I couldn't get through to TRANS Union anymore. I do it this way so that it is well investigated how TransUnion allows any company to have FULL access to my credit history. 

Why does TransUnion allow another company to come and access my complete history while my credit is FROZEN? I believe this is illegal and they should take action.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX
Product: Debt collection

I think I am being overcharged in interest rates. I was not aware of this occurrence until today after unsuccessfully trying to reach the company on an open phone line for over an hour I decided it was time to search help from other sources. 

Payment History Due Date Posting Date Amount Principal Interest Late Fees Principal Balance Payment Status XX/XX/XXXX XX/XX/XXXX {$1000.00} {$590.00} {$470.00} {$17000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$580.00} {$490.00} {$18000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$560.00} {$500.00} {$19000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$550.00} {$520.00} {$19000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$540.00} {$530.00} {$20000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$520.00} {$540.00} {$20000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$510.00} {$560.00} {$21000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$500.00} {$570.00} {$21000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$480.00} {$580.00} {$22000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$470.00} {$590.00} {$22000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$460.00} {$610.00} {$23000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$450.00} {$620.00} {$23000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$440.00} {$630.00} {$24000.00} Completed - on time XX/XX/XXXX XX/XX/XXXX {$1000.00} {$420.00} {$640.00} {$24000.00} Completed - on time Loan # XXXX Loan Progress On track Remaining principal balance {$17000.00} 22 payments to go Next payment {$1000.00} Scheduled onXXXX XXXX Autopay is on Upcoming Payments XX/XX/XXXX Friday {$1000.00} XXXX  XXXX Monday {$1000.00} XX/XX/XXXX Wednesday {$1000.00} XX/XX/XXXX Saturday {$1000.00} Make an extra payment Payment Due Date XXXX Youre paying on the XXXX of each month Change due date Loan Documents View loan documents and agreements from your application on XX/XX/XXXX See loan documents Payment History XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed XX/XX/XXXX {$1000.00} Completed See full history Loan Terms Original loan amount : {$25000.00} Loan term : 36 months Interest rate : 30.99 % APR : 35.89 % Bank Account XXXX  Account number : XXXX Go to bank account settings
Product: Debt collection

In XXXX or early XXXX, Debt Recovery Solutions ( DRS ) contacted me, alleging I owed a debt. Despite my immediate denial and subsequent request for validation via a dispute letter, DRS failed to respond. Shockingly, in XX/XX/XXXX, they unilaterally placed a {$1400.00} debt on my credit report, severely impacting my score. Despite repeated demands for validation, including a certified letter sent on XX/XX/XXXX, which was received over XXXX days ago, DRS continues to ignore my inquiries, seemingly banking on my acquiescence. 

Adding insult to injury, they re-aged the debt on my report and reported missed payments on a closed account, further tarnishing my credit scorea violation under the Fair Credit Reporting Act. Despite reaching out to their compliance officer, XXXX XXXX, my attempts at communication have been futile. 

Upon diligent investigation, I uncovered DRS 's blatant disregard for Texan law by pursuing me without an active surety bond, a practice prohibited since XXXX. Their actions defy logicwhy pursue a debt that isn't mine and risk legal repercussions? I am resolved to report DRS 's misconduct to the Texas Secretary of State and Attorney General.

Preferably, I seek an out-of-court resolution. As a first step, I demand the immediate deletion of this erroneous account from my credit report, given DRS 's failure to validate it. I refuse to accept their claim without concrete evidence of ownership of the debt.
Product: Debt collection

The company is XXXX. XX/XX/XXXX I notified them in writing and verbally via phone. I replaced service provider XX/XX/XXXX and will not have the physical connection open with them but will keep the email active and open until XX/XX/XXXX. They billed be properly and it was paid. In XXXX, XXXX XXXX stopped billing because they were paid through XX/XX/XXXX. I received horriable calls from their sales people on recorded lines we want to keep your business but you need to call us. Sorry No you are the sales person, I do not call you. Then in XXXX XXXX I received a call from another company who wanted XXXX 's equipment back. I verbally and via email s end them the documentation their equipment was returned back in XXXX and I was credited back in XXXX for their equipment. In XX/XX/XXXX they sent me a bill, but my service is terminated as of XX/XX/XXXX. I wrote with the documentation to the Office of the President as clearly XXXX is not documenting their records. Now a XXXX is sending what looks like a collection attempt via email, does not state who they are collecting for but their digital trail states it is XXXX. A real collection agency following the rules needs to disclose who they are collecting for and this alleged company is not. I have made many calls and emails and now letters to XXXX and they properly stopped billing and cancelled the service XX/XX/XXXX but now they are relentless. 

I do not hide like the President of XXXX hides and is not reachable via phone nor is any of his staff every available to be reached to resolve issues. XXXX leaves email accounts open as they sell data and it is a profit center to allow the emails to keep on coming in.
Product: Debt collection

Amount owed is much less than stated. XXXX must also take into account the they they had preached the trust and agreement between them and i. Therefore forced me to incurre various charges to move to a new carrier. Therefore ammount requested is wrong and baseless.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the credit bureaus asking Experian and XXXX XXXX to correct errors on my credit report. Almost 60 days have passed, and I have not received a response yet.
Product: Mortgage

the original loan officer XXXX  # XXXX took a loan refinance application from me after I applied online through ROCKET MORTGAGE. Loan Officer ran my credit, asked for my income scenarios, almost declined me on the spot, until i told him my wife has part time job. he was not interested in seeing my entire financial picture or tax returns and was declining me based on verbal income verification. then he asked for two years w2 from my wife 's part time job and disappeared on me. when i reached him a week later, he said my application is simple passed to another loan office. there has been no communication from him except passive responses to my complaint. I like to know how they can deny me without looking at my full taxes, and why they are not responsive, except to pass the blame and use excuses only when I ask him for explanations.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2021 in good faith I made my payment to XXXX XXXX credit card for the amount of {$40.00} I have use the same bank account for the past year on this particular time there say is they did or verify my account I good faith on XX/XX/XXXX of 2021 I made a payment of {$80.00} I was told the information will not go on my credit report XX/XX/2021 it was showing on my credit report I have ask the credit company to send me a copy of y my payment did not go thru they said no they are not sending me no letter as a consumer I have a right for a copy
Product: Payday loan, title loan, personal loan, or advance loan

Hello, someone used my information and got a {$30000.00} loan I spoke multiple times with the bank with no solution Thank you
Product: Credit card

on around XXXX XXXX 2016 I had applied for an American express credit card that was sponsored on my XXXX webpage. XXXX gave me an estimated chance of GOOD and encouraged me to apply so I applied and was DENIED when I received your usual decline letter it stated reasons that XXXX said my credit score was XXXX, I then paid a fee to retrieve my credit score from eqaufax the report said XXXX and I also paid for XXXX score which was XXXX so someone at American express lied about my credit score being just XXXX and unfairly denied me there credit card. I want CFPB to try and get me that card and reprimand American express for wrongly stating my credit score and denying me the credit card. thank you XXXX. C
Product: Credit reporting or other personal consumer reports

I recently reviewed my XXXX consumer profile and found a hard inquiry from a " non-account '' holding creditor named Santander Consumer on XX/XX/2023. I did not give permissable purpose thru verbal or signed written consent to view my consumer profile. This may be a case of predatory tactics used by some auto dealers without the consumers authorization. My biggest issue is Santander Consumer viewed my XXXX XXXX consumer profile while it is under a " Security Freeze '' and furnished data to my XXXX profile. XXXX XXXX violated my consumer privacy rights by allowing Santander Consumer to view my consumer profile as shown in the disclosure of data furnishers sent to me by Santander Consumer. I contacted the XXXX consumer reporting agency to dispute and delete the unauthorized hard inquiry but with no resolve from XXXX. This unauthorized inquiry is suppressing my ability to obtain credit and is affecting my mode of living.
Product: Debt collection

I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( XXXX ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

Since XX/XX/2017 I started submitting all requirements for Loan Modification to Select Portfolio Servicing Inc, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of Select Portfolio Servicing Inc. is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Select Portfolio Servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with Select Portfolio Servicing Inc. requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Select Portfolio Servicing Inc. have not dealt to me in good faith until this moment.
Product: Credit card or prepaid card

When checking my Wells Fargo credit card statement online I saw a charge of {$110.00} to XXXX XXXX. I called Wells Fargo to dispute the {$110.00} charge. They provided a receipt which is attached to this complaint. The receipt shows a transaction date of XXXX/XXXX/XXXX for a location in Florida. I was not in Florida and I had my credit card in my possession here in Minnesota. Also it shows the purchase was manually entered. I do not believe the receipt provided by Wells Fargo is a XXXX receipt in the first place. I had Wells Fargo cancel my card and issue a new card as this charge was fraudulent. 

I do not have a XXXX account at all. I do have a XXXX phone that gets billed to my father 's account. My father 's account did not receive any {$110.00} credit from Wells Fargo and it should not any way. Wells Fargo told me that they can not reverse the charge since I am affiliated with a XXXX account. Again I do not have a XXXX account. I believe Wells Fargo should be able to tell where they sent the {$110.00} and it was not any account that I charged on. 

I did file a fraud form online with XXXX on XXXX/XXXX/XXXX also but no response from them. I believe the receipt that Wells sent me is not a XXXX receipt, I do not have a XXXX account so XXXX really has nothing to trace back. Wells Fargo should know where they sent the {$110.00} but they are not working with me.
Product: Consumer Loan

I leased a car from Kia in XXXX XXXX. I made the final lease payment, and payoff payment in XXXX XXXX per the contract. I sent a check and an Odometer Statement that they asked me to download from their website. They cashed the check in a few days, but the title never came. I called and first they claimed they never received the check. I offered to send proof they cashed it. They changed their story to claiming they did n't receive the Odometer Statement even though it was in the same envelope. I faxed a new one per their request. A couple of weeks later they changed their story to me owing them {$13.00}. I offered to pay that amount. The rep put me on hold, then came back and said no money was due and the problem was that they still did n't have the Odometer Statement. I faxed the Odometer Statement two more times per their request. I called back after a couple of days and the rep told me that there was a balance due. I asked how much and she put me on hold. She came back and said there was no money due, but she did n't know why the title was never sent to me. After being transferred a few times I finally got disconnected. Every time I call they have a different reason as to something I did n't send them. I filed a BBB complaint and I got a call from a Kia rep who said her department handles consumer complaints. I explained again what all happened. She said the only thing she can do is give me the phone number to the Kia department that handles titles. But she said she could not do anything about getting the title sent to me. The only thing she can do is give me a phone number ( same I already have been calling ) in case I was calling the wrong department. Still no title
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for a collection account on my record XXXX XXXX XXXX that continues to remain on my credit report in collections and affecting my credit score. I filed bankruptcy XX/XX/17 and this account was listed duplicately on my report and Experian deleted one of the accounts after my dispute but did not the other duplicate account from the same company and it should have been deleted as well. I am attaching a copy of a screenshot of my bankruptcy petition that lists the company twice on my petition.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. The status needs to be changed to " PAID, CLOSED/NEVER XXXX  ''. If not changed i will be forced to take legal action Heres the list that has erroneous inaccurate info on my credit. Must be REMOVED immediately!!!! 

DEPT OF ED/XXXX  Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX DEPT OF ED/AIDVANTAGE Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX BANK XXXX Account : XXXX XXXX CREDIT CORPORATIO Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax put ineffective security measures in place, which led to a breach that puts myself and millions of others at potential risk. Furthermore, very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify 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 be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX