23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed for a modification over a year ago. It was to start in XX/XX/XXXX. I have made all payments as directed but the website still indicates I owe XX/XX/XXXX payment. I have signed and returned the modification agreement 3 times and it has not been received per servicer. I have called repeatedly and requested contact online. I have made ten phone calls to waste an hour to fill in some random service rep the same story with no solutions. I just paid my XX/XX/XXXX payment and they have me as due for XX/XX/XXXX and my escrow is in the negative. I am extremely frustrated. My original loan was with XXXX XXXX XXXX and they sold me to this servicer. I would like to know what my legal rights are. This is affecting my credit and causing my family serious harm.
Product: Debt collection

I moved out of my apartment in XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The following day, I received an email from the property management company providing a move-out balance. Subsequently, that balance was updated, and a corrected amount owed was communicated to me via email. 

However, the debt collector, Hunter Warfield, is now attempting to collect both the original balance and the corrected balance, which more than doubles the actual amount I owe. Additionally, they have reported this inaccurate total to the credit reporting agencies, which has unfairly impacted my credit score. 

I have already reported this issue to XXXX, but I am seeking your assistance to resolve this matter. The debt collector should be notified of their error and the false information should be corrected with the credit agencies promptly. 

Thank you for addressing this issue. Please let me know if further clarification or documentation is required.
Product: Bank account or service

In XXXX XXXX, I received a flyer in the mail from Citibank that offered me a promotion to open a Citibank CitiGold checking account. The bonus offered XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account alongside with spending {$1000.00} on the debit card. 

After enrolling and successfully opening up the account with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I Confirmed with Citi that I fulfilled all terms of the offer and that I should be receiving the bonus no later than my XXXX XXXX statement cycle. 

After reviewing my XXXX XXXX statement cycle, I did not receive my bonus points as promised. I contacted Citi on XXXX XXXX, XXXX and they said that an internal investigation was opened on my behalf. 

On XXXX XXXX, XXXX, Citi 's investigation team informed me that my bonus was denied for the following reason : " This promotion was not offered in conjunction with the opening of your account '' I called Citi on XXXX XXXX to appeal the denial, citing written confirmation from Citi that states : - The promotional offer is attached to my account and ; - I qualified for the promotion and ; - I met all requirements to receive my bonus. 

In the call on XXXX XXXX, they state that they will re-open the investigation and that I should receive the results in 2-3 business days. 

Its XXXX XXXX now and the case is still pending. 

It really looks like Citi is trying to pull a bait and switch on me. It 's been two months since the promised bonus and I have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report to find  XXXX  also listed as  XXXX   XXXX , tire dealers listed as a hard inquire on my report.  XXXX   XXXX  has  XXXX  location in the United States.  XXXX  is in  XXXX , ME. I live in the  Midwest  and have never been to Maine. I do not conduct business with tire dealerships, I pay cash for tires and would not open a credit account to purchase tires and if I did it would not be in  XXXX , ME
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : The XXXX XXXX  : # XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 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 by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

Mccarthy, Burgess, and Wolff is collecting a false debt, I do not owe from XXXX. You better stop contacting me over this debt or ill sue!! No further contact!!
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains serious inaccuracies that should have never been reported in the first place, and this level of carelessness is completely unacceptable. These reporting errors raise serious concerns about the reliability of your data and the integrity of your verification process. These mistakes are actively harming my financial standing, and I will not sit idly while misinformation continues to cause damage. 

The following items I am disputing are the following : XXXX  - XXXX - {$0.00} As a consumer, I have a legal right to a credit report that is free from false or unverifiable information. The FCRA requires that all data reported be XXXX   XXXX accurate and provable. If these errors can not be supported by documented proof, they must be removed immediately. I demand a full, detailed investigation and an immediate correction. Any delay in resolving these issues will be considered negligence and will not be tolerated.
Product: Vehicle loan or lease

I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.
Product: Checking or savings account

Tax preparer input incorrect account number on my tax refund. 
IRS sent my tax refund to that incorrect account number. 
The tax refund direct deposit should have been reversed back to IRS because name of direct deposit and account name does not match.
Product: Credit card or prepaid card

The prior context for this complaint is complaint XXXX. Since having that refunded added to my account ( and their misrepresentation of events in their response to that complaint ), I closed the account by phone an XX/XX/XXXX with over {$3000.00} in credit. During that conversation they said I would be sent a check for the amount in credit. 

On XX/XX/XXXX, having still not received payment, I contacted them by phone, to which they claimed they had never processed any request to have the funds that I was in credit returned to me and stated they would do so. I told them if it was not received within 48 hours I would be filing additional complaints with you ( the CFPB ) as they are intentionally not providing monies owed to me.

We are now another two weeks after then, four weeks since the account was closed, and many months since the initial issue with refusal to charge back services not provided for flights cancelled. 

In short, American Express are not honoring their debts to customers. The account number in question is XXXX.
Product: Mortgage

This account is in my XXXX XXXX XXXX name. I have been appointed XXXX of this property and this company has that paperwork on XX/XX/XXXX & XX/XX/XXXX by email. I made the last payment mortgage on this account on XX/XX/XXXX. I had a statement stating the last payment was {$140.00}. I tried to pay the {$140.00} on XX/XX/XXXX. Their system wouldn't accept, it still had the regular payment of {$150.00}. I called, held on, their phone hung-up several times. They would call me back, but when I answered, it was a message telling me to call them. So, once again, I called, their phone hung-up. So I just made the {$150.00} payment on XX/XX/XXXX, from my online account with their company, as I made the other XXXX pymts, so it would not be late and just get a refund later. I received a payoff letter on XX/XX/XXXX stating I still owe {$15.00} for a late fee. The last payment I made on XX/XX/XXXX for {$150.00} was sitting on my account when they charged me the {$15.00} late fee on XX/XX/XXXX. The {$150.00} was unapplied on XX/XX/XXXX. On XX/XX/XXXX, {$140.00} was the payoff pymt, which included a XXXX interest. Why at that time they didn't see they owed me {$10.00}, I have no idea. The unapplied my {$15000.00} payment again on XX/XX/XXXX. I just need my {$10.00} put back in the same account they got it from.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX, 2021 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history, This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Potentially Negative Status Account charged off. {$12000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Account Type Auto Loan Balance {$13000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$790.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$790.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX XXXX XXXX  Dispute XXXX XXXX  XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute < -- - ALL ACCOUNTS LISTED ABOVE ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- XXXX XXXX  XXXX SELF EMPLOYED RENEWAL BY XXXX XXXX -- - ALL OF THESE COMPANIES LISTED, I DO NOT WORK THERE. 

-- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX < -- - ALL OF THESE ADDRESSES DO NOT BELONG TO ME. 

-- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX < -- - ALL OF THESE PHONE NUMBERS ARE NOT MINE. 


-- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL OF THESE NAMES ARE INCORRECT.
Product: Mortgage

I initially called to apply for an Equity Line of Credit modification loan only on XX/XX/2016 and was then encouraged to include a modification on my Home Mortgage loan as well. I was hesitant because I was ok with my Home Motgage due to my getting an HARP adjustment 2 years prior but the loan officer assured me that I had nothing to lose because I could possibly get a reduction on both loans by filling out just one form. It was then explained on XX/XX/XXXX, that I could be approved for one loan or the other, both loans or none at all as to the possible loan outcomes. At that point in my submitting my application, it was not mentioned that one loan could be contingent upon the other if approved for both. I later received a confirmation that I was appoved for both loans in XX/XX/2016. I reviewed the Equity line of credit loan that I was appoved for and had liked the reduced interest rate granted which lowered my payments. I then examined the modification on the Home Mortgage and found that it was not good. It did not lower my interest at all but had simply extended my payments period for another 10 plus years. As a senior citizen, I'd found that the Home modification was more detramental than helpful. Hence, I immediately called to accept the modification terms on the Equity line of credit, and to decline the Home mortgage modification because it would hurt me in the long run. It was then and only then ( XX/XX/2016 ), that I was told for the first time that both loans were contingent upon the other to be accepted. I felt this was unfair, based on the fact that I was not disclosed this type of outcome before I submitted my initial application, else I would have proceeded with just the Equity modification as I initially requested. Again, the option of both loans being contingent upon the other was not disclosed which smells of foul play by the WF Bank establishment. I later opened an investigation complaint with WF, who then noted that my original call was to indeed seek a modification on my Equity line of credit only, and that I was then offered to include the Home Mortgage modification later on the call. WF also noted that they do not disclose the possibilty of having the loans be contingent upon each other and openly stated that it was there right not to disclose the contingency clause or outcome and felt it was there choice even if it lead to an unfair outcome. I again affirm that the first time that I was told that the loans would be contingent upon each other was after I filed the application and not before. It was further reviewed with me when I tried to accept the Equity line of Credit over the Home Mortgage loan modification. account XXXX and XXXX. I will attach two letters below. The First letter was in regards to my refuting the statements made in the first investigation letter that I then sent to the WF CEO XXXX XXXX. In this letter I highlighted key inaccuracies in Red Ink which were in the investigation letter which smelled of a cover up. The 2nd letter was admitted that they did not disclose the contingency outcome with both loans being approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted XXXX, experian, and XXXX about my concerns with my credit report. I'm concerned that I have had bad credit from XXXX up until current date in XXXX. I have no credit cards. I have no mortgage. I only have student loans which are in deferment or forbearance, but there is persistence to continue my status with bad credit through the three credit bureaus for sixteen years. Because of this, I have not been able to obtain any credit of any kind-or even a residence in which to reside. In XXXX, I even filed for bankruptcy which was expunged in XXXX. I thought this action would help remove incorrect and negative items on my credit reports... but to no avail. Yet still, I have continued with bad credit. I have a car loan, and that is behind due to the pandemic and my difficulties as a result of the nationwide health scare. The fact that remains is that I do not know why I have bad credit. Furthermore, my attempts to correct errors on my credit concerning XXXX XXXX have not been resolved after five years of waiting for a response to my dispute letters. My current credit statement demonstrates a forced and persistent status to keep me as a bad credit citizen of the United States of America and prevent me from life, liberty, and the pursuit of happiness as a citizen with inalienable rights..Also the continued permissible behavior to include businesses on my credit such as XXXX XXXX of XXXX XXXX MD XXXX which I have not agreed to do business with, demonstrates a violation of my rights under the Fair Credit Reporting Act. I have not been informed of the progress in my dispute of XXXX with either of the three credit bureaus, and errors in my credit including the company XXXX and others have remained despite my efforts to have them removed. I have even requested credit reports back in XXXX, and I never received them. To this effect, I have decided to dispute everything on my credit report as it is likely the credit bureaus have allowed me to be violated with the same negligence as they have refused to respond to my disputes and correct errors in my reports.
Product: Mortgage

sun west mortgage company is the holder of my first mortgage on my property. i went into forbearance due to layoff from covid shutdown. as i am coming out of forbearance they did present me with some options, one was a loan modification but they did not provide the documentation requested by my second mortgage holder for a subordination ( XXXXXXXX XXXX XXXX ). XXXX XXXX XXXX denied the request for subordination due to delinquency, but i was delinquent due to forbearance under the cares act and the second reason was that sun west did not provide the proper documentation. 

when the subordination was denied sun west immediately moved into the foreclosure process asking for {XXXX} due by XX/XX/2022. this is a federally backed loan by XXXX XXXX  and it is my understanding that federal backed loans will not be asked for payment in full i have made payments in full to both companies since my forbearance ended and am ready willing and able to continue making payments on my home but the current situation is i will be forced to have my home foreclosed on or sell if i do not take out another loan to cover the mortgage balance. 

something seems off here and i can not understand why both companies would rather see a foreclosure rather then just work something out and have me continue to make my payments. 

i think i need some help.
Product: Debt collection

I was the victim of identity theft. Someone in Florida ( I live in Ohio ) got a hold of my XXXX  XXXX  credit card and spent at least a couple thousand dollars. Payments on the credit card are automatically deducted from the family checking account. The first indication of the fraud was on XXXX XXXX when {$1700.00} was taken out of the checking account. We figured XXXX XXXX  would fix this and reimburse me but it refuses. The store has said the charges are legitimate though it's not possible. Further fraudulent charges have been made and XXXX XXXX now says we owe them more money. We've for now put a stop to the automatic debits.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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