23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX, I received an account statement that informed me that I would begin paying escrow payments to Freedom Mortgage on XX/XX/XXXX along with my mortgage payment. There was no reason as to why this was going to occur, it just stated your new balance is. I originally closed on my home with a different servicer ( XXXX XXXX  ) where the original loan was without escrow. I wanted to pay for my own insurance and taxes because sometimes mortgage companies underestimate the figures leaving you scrambling to make up the difference. Eventually the loan was bought by XXXX XXXX and now Freedom. While with XXXX, we purchased insurance with XXXX  and from XX/XX/XXXX until XX/XX/XXXX XXXX  covered our home. Earlier in that month we decided to shop around for insurance that was competitive in pricing, but also gave us some insurance breaks with our vehicles as well. So we decided to go with auto owners insurance, and our insurance agent with XXXX XXXX XXXX XXXX assured me that there would be no lapse in coverage seeing that XXXX XXXX would end on XX/XX/XXXX at XXXX  ( XXXX XXXX  ) and XXXX XXXX coverage would kick in at XXXX  ( XXXX XXXX  ) of XX/XX/XXXX. 
Freedom mortgage is telling me that I had a lapse in coverage and with this lapse in coverage their system automatically forces me to pay into escrow. Basically, they have signed me up for force-placed insurance even after I reached out to them on XXXX XXXX ( faxed them all documents on XX/XX/XXXX ) with documentation proving that I did not have a lapse in coverage. I provided every monthly payment history for auto owners from XX/XX/XXXX to XX/XX/XXXX to show them that I had coverage. I even included a renewal letter with XXXX  to show them I had insurance with XXXX  up until XX/XX/XXXX, and that the policy would renew on XX/XX/XXXX at XXXX XXXX  of that day, but I decided not to renew because we were going with auto owners whose coverage started at XXXX XXXX  on XX/XX/XXXX. I did my due diligence to get them to rectify the situation, and I spoke with them today to ask them why they did not take care of getting the loan out of escrow, and they said because of the insurance lapse. I provided documentation showing them that this was not so, and the error is within their judgement. I have seen complaints online about Freedom mortgage getting kickbacks from an insurance company and for them to try to enroll me into some kind of force-placed insurance policy is not right. Im already taking care of my business and making sure my home is covered and my taxes are paid. I need help getting this fixed because they certainly are not willing to listen to reason. Also, I did not receive any correspondence in XXXX XXXX  XXXX or XXXXXXXX XXXX  XXXX stating that my insurance coverage had lapsed. I only was notified with a XX/XX/XXXX account statement that my mortgage was going to increase in XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, and LVNV FUNDING/XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.
Product: Mortgage

I applied for a home equity line   of credit ( HELOC ) with Wells Fargo. They currently are the company that holds the mortgage on my home. When asked in person and on-line about the purpose of the HELOC my answer was, home repair, debt consolidation and college tuition. I turned in all required paperwork in a timely fashion and also complied with their request of a copy of a written estimate for the home repair I was considering.
Once all paperwork was submitted, I received a call on   XXXX   XXXX   from the person assigned to my loan application that the application was denied. Her reason was, " you want to use the money for a repair to the foundation of the home '' that was not an acceptable reason for them. She then went into an explanation of how I could max out my credit cards to pay for the foundation work and then apply for a loan from Wells Fargo to " pay myself back '' for the cost of the home repairs. When you read all of the online and published literature from Wells Fargo about their HELOC products, never at anytime do they state that certain home maintenance or repair projects are not   acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 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, credit repair services, or other personal consumer reports

XXXX XXXX/Walmart has committed multiple violations on my Credit report it is not 100 % accurate therefore should be removed from my credit report. 

On each of the bureaus the high credit and credit limit is different from each other they also have different account number XXXX account number is different from XXXX and XXXX  The Date of this account being opened is also different on each bureau Also the addresses giving to contact the creditor dont match up one shows XXXX Ga while the other two bureaus show XXXX Florida I also have sent and disputed this account multiple times and on XXXX  and XXXX  I see that the last reported date is still XX/XX/2015 which leaves me to believe they have refuse my request to investigate this account. 

These are serious violations and this TradeLine must be deleted from my credit report I will be sending a screenshot of my credit report showing these violations On each bureau I will also send a copy of this complaint and send my credit report over to the FTC and my attorney to review.
Product: Debt collection

XX/XX/2020 I received a call ( one of the worse ) from portfolio recovery. I was already pretty agitated because they call often and I explained I dont have the means to pay that debt off. She began to ask invasion questions about why I dont have income, if Im getting unemployment and why my spouse couldnt pay the debt or give money to help, she was very aggressive which caused me to equally as aggressive. Finally I just hung up. I received another call the next week asking the same questions BUT not as aggressive however, I explained to her Ive already spoken with someone and she said we will call until the debt is paid. I explained that is harassment to call every week about the same issue she stated they Dont have a way to see who called or when they called until they actually call the person. To me this makes no sense but Im tired of the calls, Im tired of this company making me feel worse for not being able to pay back a debt at this time. Even after I explained my son an myself have bad health issues right now they still kept asking when I would pay. At what point do these collection agency have to take responsibility for their actions? The calls I listed are the most recent but this has been going on for at least a year. If I block their number they will just change it an call from a different number. They wont stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a missed payment before on my Citi Bank Card but I faced some financial hardship due to a XXXX  child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by Citi Bank after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that Citi Bank has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite Citi Bank confirming they were in the wrong. 

I have yet to hear any response from Citi Bank in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX - XXXX XXXX, KY XXXX  XXXX XXXX XXXX , XXXX   XXXX XXXX ( ORIG CREDITOR NAME : XXXX )
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX AV XXXX, PA XXXX ; XXXX  XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$170.00} ; 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 Inquiry : XXXX XXXX, XXXX.
Product: Credit card

This refers to a credit card agreement with Chase ( Visa # XXXX XXXX XXXX XXXX ) on which I defaulted some time in XX/XX/XXXX. Since then, I have not been able to make any payments on that credit card. My account was closed and charged-off in XX/XX/XXXX. In XXXX XXXX, Chase forgave this debt, and issued a XXXX C form confirming cancellation of the debt. The form indicates that my debt was cancelled pursuant to a decision or policy to discontinue its collection. 

Despite cancellation of this debt, Chase continues to report to credit reporting agencies the total amount of indebtedness as still outstanding. My understanding is that if a debt is forgiven, it can no longer still be owed. In fact, when completing income tax return, I was required to report as income the forgiven debt amount. 

In recent weeks, I have made an inquiry with Chase and requested that they correct the content of their report to the credit agencies to include the fact that the debt has been cancelled and is no longer outstanding. I even provided them with a copy of the XXXX XXXX To my confusion, they responded that the total indebtedness is still outstanding
Product: Checking or savings account

On XX/XX/XXXX at approx XXXX I called chime to make a dispute for approx 15 unauthorized transactions for which I advised the rep that I had a police report as well, they told me that I would be able to submit it via my portal. 
I was ultimately never able to submit it and less than 24 hours later I received an email stating that they have conducted a full investigation for all the transactions and it was denied On XX/XX/XXXX at XXXX I received an email stating the claim was denied which is almost impossible to complete a full investigation on the claim that quickly and close the claim so quickly without even allowing me to submit my police report or anything else significant to this matter. 
This totally violates consumers rights according to REG E which protects us from these exact type of violations Logically theres no way to fully complete an investigation in less than 24 hours for that many transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

1 ) Refinanced home mortgage XXXX, XXXX. Closed early XXXX, XXXX 2 ) The original loan had an impound account which continued with the loan refinanced by XXXX XXXX XXXX XXXX, XXXX ). 
3 ) The XXXX XXXX refinanced loan was sold to Chase who took over in XXXX, XXXX. 
4 ) Much to my surprise, I received a delinquent property tax bill ( with a penalty charge ) that was due in XXXX, XXXX. I did not understand why Chase did not pay this as I have been paying into this account throughout my original mortgage and it was always paid on time. 
5 ) Subsequently, I received a surplus check from Chase for {$6300.00} which obviously was from my funds that should have been used to pay this same XXXX property tax. 
6 ) I feel that when they bought the loan, which included the monies I have been paying into the impound account, it was their obligation to make sure the tax bill was paid on time. 
7 ) I contacted Chase and was transferred from an employee who admitted it looked like Chase made a mistake and should pay the penalty to his supervisor who was evasive and would not take action to rectify or investigate the problem. 
8 ) I paid the tax bill since it was already delinquent and XXXX XXXX should be paid. 
9 ) My lawyer sent a demand letter to Chase but they have not replied. They have simply ignored my request to work out a solution to a problem they created. 
10 ) I would like Chase to at least pay for the penalty charge incurred and it would be nice if they had the courtesy to admit their negligence. My hope is to be treated FAIRLY as a consumer and not disregarded, especially since it is evident they had my funds and did not meet their obligation and instead created a bill that I did not know of until it was delinquent. 
11 ) I will try and attach documents to show evidence of what I am describing. 
12 ) Please contact me with anything needed to clarify my dilemma. 
Thank you very much.
Product: Checking or savings account

On Friday, XX/XX/XXXX between XXXX and XXXX XXXX I went to the bank and withdrew {$3000.00} from my XXXX XXXX business account to pay myself at Truist my personal account which is right across XXXX XXXX. While at the atm location XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX # XXXX I was trying to deposit my {$3000.00} into the machine however, the machine accepted the bills until the screen read ERROR and it prompted to dispense the bills back to me because the transaction was not complete. The machine then behaved as if it would return the bills it did NOT. I left my card in the machine and put my car in park while I entered the inside of the bank. I told the banker inside my money was never dispensed back to me so I could complete my transaction after the screen read ERROR. The banker followed me outside to the atm where my car was still parked in front on the machine. He observed the machine was not following any prompts and told me there was nothing he could do since the manger was not on duty that day. He gave me the number to call Truist customer service and file a complaint. I spoke with a representative while I still sat in front on the machine in my car. After explaining the issue that occurred the representative told me a provisional credit would be applied to my account. The representative filed my claim and told me they would investigate the claim number XXXX. I waited to hear from someone from Truist regarding my claim until I called XX/XX/XXXX at XXXX. I was told my claim was denied however, I did not received anything in writing. I was then directed to speak with the supervisor of centralized fraud department XXXX she again stated my claim was denied and they can not reopen the case. She said she would file another complaint with the department on my behalf and request a analyst call me about their findings during their investigation. Complaint number XXXX.
Product: Credit card or prepaid card

While I have filed a previous CFPB complaint about this issue, Citi 's continued appalling behavior has left me no choice but to file another complaint. I have the Citi Aadvantage Business card which advertises a free checked bag when flying with XXXX. When I tried to use this benefit, I was told I could not because it is only available on select flights. Due to Citi not highlighting this, nor working towards any solution, I was forced to file a CFPB complaint requesting the {$60.00} in bag fees be refunded. Through the CFPB, Citi declined my request. I sent feedback regarding why I was not satisfied with the response. A representative from Citi EO office subsequently called me and said she did see a page where it was not clear that it was for domestic flights, so she offered me a {$30.00} credit and I accepted. I also notified her of another advertising discrepancy regarding in-flight wifi, which she said she would look into. A week later, I still did not have the credit on my account, so I called Citi to see if the {$30.00} would be posted in the next statement or if the EO office rep had forgot. The first agent had no idea what was going on, so I requested a supervisor. He transferred me to a representative in the US who tried to explain to me why I was wrong to request a refund for the bag fee - which Citi had already agreed to - and transferred me to an Account Manager in Florida, XXXX. XXXX was underhanded, condescending, rude and insinuated I was a liar regarding the {$30.00} statement credit. He chided me about how it's " in the terms ''. I told him, in no uncertain terms, that I will not be spoken to like that and disconnected the call. I was promised the {$30.00} credit and I demand it be applied. Please note a copy of this CFPB complaint will also be forwarded to the offices of XXXX XXXX, Rep. XXXX and XXXX Councilman XXXX for their review.
Product: Debt collection

Wells Fargo contacted me regarding a debt I am disputing after XXXX Eastern Time on my home phone, a New York number. This number is also listed as the least-preferred method of contact, and they did not once attempt to contact me on my preferred number. Upon questioning the agent who called me, I was told they had attempted numerous times to contact me at a number I had never heard of before. As a result, they were not able to reach me until one month after the account had been in collections, thus further negatively impacting my credit history.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain hard inquires on my credit report that I did not authorize. Upon reviewing my report, I have noticed that there have been inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, 2 ) Huntington National Bank on XX/XX/2023, XXXX XXXX XXXX XXXX on XX/XX/2023 and XXXX XXXXXXXX XXXX on XX/XX/2023. NOTE : There was no space for me to include the address and last four digits of my social security number that this may be sent to XXXX XXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX. Last four digits of social security # XXXX. 

I want to clarify that I did not give permission for my credit to be run by these entities, and I am concerned that these inquiries have negatively impacted my credit score. I request your assisatnce in investigating this matter and ensuring that these unauthorized inquiries are removed from my credit report.

Please let me know what steps I should take next to resolve this issue, and if there are any forms or additional documentation I should provide.

Thank you for your time and assitance in this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.
Product: Credit reporting or other personal consumer reports

All of the inquiries are in violation of 15usc 1681C-2 which mandates the removal immediately. 

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the consumer, in accordance with the provisions of subsection ( a ), identifies,...
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express serious concerns regarding the handling of my private information by Transunion, XXXX, and XXXX, in violation to the Fair Credit Reporting Act ( FCRA ). 

Under 15 USC 1681, it is mandated that consumer reporting agencies exercise their responsibilities with fairness and respect for consumers ' privacy. However, neither the financial institution ( as furnisher information ) nor the reporting agencies have obtained my written consent to furnish this information.

Moreover, I was not informed of my right to exercise the nondisclosure option as required by 15 USC 6802 ( b ) ( c ). The reported adverse item on my account is a direct violation of 15 USC 1681C ( a ) ( 5 ).

Transunion, XXXX, and XXXX  are also failing to adhere to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) by furnishing inaccurate information and not maintaining reasonable procedures, as outlined in 15 U.S. Code 1681e.

Per 12 CFR 1016.7, I am formally opting out of your reporting services.

I request prompt resolution of these issues to comply with the FCRA. Failure to address these concerns may lead to legal action.

Thank you for your swift attention.