23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After a couple of year or so of getting these mailing from a company called XXXX XXXX XXXX, on or about XX/XX/XXXX we decided to contact them about a home modification government program they claimed to have " New Programs have been put into place for home owners under the new XX/XX/XXXX guidelines '' we called their XXXX number and spoke to a case specialist by the name of XXXX  - she " explained '' how the process worked and said it may be free, or low cost depending on what government programs we qualified for. She emailed me and provided me with a web site- and phone number to contact her back ( XXXX  ) XXXX XXXX. They asked to speak with our lender and requested for them to fax over ( XXXX ) XXXX XXXX ) account summary- which the forward to us that same day. They provided us with a " form " to fill out pertaining to our financials- we did as requested and continued to ask about cost- and business license information with no answer. On XX/XX/XXXX we spoke to " an underwriter '' whom provided us with percentages and possible payments " best and worst case '' and a total cost for service in the amount of {$3700.00}, and suggested that we do not pay our mortgage allowing us to pay them in three installments, with a guarantee their request for modification would go thru. The call was handed over to XXXX and she made an phone appointment for Fri. XX/XX/XXXX, before ending the call we requested to have the business license information AGAIN, she said was surprised her manager XXXX had not provided said information. Friday came and went, on Monday I emailed XXXX  to confirm we could have our appointment that Monday morning and reminded her we MUST have the license information as well. We confirmed a XXXX call and at XXXX XXXX   via email she stated the following : " XXXX would be the one to have more information in regards to licensing, I already put in a request with upper management. Ill call you in a few minutes to review documents. " XXXX came and went no call no email. At XXXX XXXX  I emailed them asking what happened. They proceeded to ignore our communications and request for license. After three days XXXX   decided to call me to answer our email and stated I rather do it over the phone -we refused stated she needed to email us because that statement was concerning. Emailed both XXXX and XXXX stating the call confirmed the emails were being read- provided image of call log- a day latter XXXX  emailed and stated they were too busy to take us on as clients and that " At no point was anyone refusing anything " and " Please keep in mind that your previous message with direct accusations and would be something that would require us to respectfully terminate our relationship moving forward ''. Lied about calling us twice and refuse to communicate with one of us. Please see details below and emails attached with documentation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   XXXX XXXX -Manager XXXX XXXX XXXX Case Specialist <XXXX> XXXX>
Product: Debt collection

I have multiple complaints in with SST on this matter. I haver never received all of the information needed to verify the debt. I was never given a payment history so I could verify the amount they are saying that I owe. The company now reported this as " Charged off " and is negatively affecting my credit and ability to obtain a loan for college. 
This is considered fraud to report inaccurate or invalidated information to credit bureaus under both federal and local state laws. This information reported on my credit needs to be removed immediately.
Product: Debt collection

Reported on my credit on all my credit reports Effecting my credit and causing damage to my credit score Not a accurate debt Debt collector bought the debt, was never allowed the time to paid to the debt by the landlord. 


Did not receive my security deposit back and made an over payment of XXXX to landlord. Dates are inaccurate serval errors no debt is owed in fact i owned money from XXXX XXXX XXXX XXXX apartments. 


The report date is incorrect the date assigned is in correct. Remove due to inaccuracies, money owed to me by landlord. All of the information is inaccurate and is effecting my credit report.
Product: Debt collection

XXXX sold my personal information to a company in Texas without my authorization or consent. I was not properly notified adverse actions would be taken against me for reporting a fraud matter to FTC pertaining XXXX business practices. XXXX retaliated upon closing of complaint.
Product: Mortgage

On XX/XX/2021, mortgage documents were executed with lennar mortgage/lennar homes XXXX and we were decieved by the product and community promised by lennar mortgage/lennar homes. Builder didnot disclose Red paint that would be painted through out the community, builder didnot disclose the monument being installed .the actions of lennar mortgage/lennar homes are depreciating our home value.
Product: Credit card or prepaid card

Hello Dear CFPB I am writing to ask your assistance regarding in my opinion very unfair and biased experienced that i had with Capital One. Long story short.
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I applied Capital One Venture Credit Card back 2016 XXXX and was approved {$30.00} credit limit, upon receiving my card i wanted to activate it but i was routed to customer service fraud verification department and was asked to send Copy of my Identification Card Social Security Card and other verification documents. I complied and uploaded all requested documents and after review my card was activated and was ready to be use. <P/>I did not Use my card since than but couple days ago i wanted to buy XXXX GIFT CARD online for {$2000.00} but transaction got declined, i called customer service and was routed to speak with supervisor i was asked many questions about phone number and my background and many other questions about an hour on the phone i was told i need to submit Again all my documents which i was perfectly fine to do so .Unfortunately since it was overseas customer service i could n't reach any resolution and asked to call next day. I called Next day was connected with Nice Lady Name XXXX account supervisor she advised me i need to upload again My Identification Card front and back Social Security number and Utility Bill, than i received email with instruction and uploaded all requested documents i took copy of my ID card SS card and XXXX XXXX Water and Power Bill than scan it and uploaded it hoping it will clear all concern that they have. After couple hours XXXX XXXX left me massage on my phone and than i called them back and it was very unfortunate and very disturbing news for me. I was told All my accounts Capital One Venture and Capital One Venture One was permanently restricted because for some unknown reason they can not verify documents that i send them, which is shock for me because my Capital One Account was activated back on XXXX 2016 by same documents that i send them. This is real rollercoaster and very negative experience i had with Capital One, I am very afraid and worry that because of Capital One wrong unprofessional assistance i am in situation that my other creditors might think that there is some fraud is going on and they will also close my accounts and all my Hard earned credit will be ruined and I am asking please to Clear My Name. Again Please Understand Those Documents Are Genuine 100 % Valid copy of My Identifications. There are No Fraud Whatsoever related with me or my accounts. I have perfect Credit And great accomplishment and i can not and will not allow some person or persons not careful and maybe unintentional but damaging actions ruin My Credit and Financial World.  Please CFPB assist me to clear my name and so they will remove fraud indications from my accounts and reinstate my both accounts. Thank you Very much Best regards XXXX XXXX
Product: Consumer Loan

the lender was very good at giving the loan out at making 135 % interest! but when I tried paying off the loan early ( there was no prepayment penalty stated XXXX the kept giving me the run around about pending payments and wanted me to overpay the balance on the loan! RIP OFF COMPANY TAKING ADVANTAGE OF PEOPLE IN NEED!
Product: Vehicle loan or lease

On  XXXX   XXXX ,  XXXX  at    XXXX   XXXX   .  EST,  I contacted  Citizens B ank regarding my inability to pay my loan for a    XXXX   XXXX   XXXX  .  The payment is due on the  XXXX  of the month. I was told by a representative of the bank that their systems were being revised and that they would be not be able to process a payment until this week. I was also told that our automatic payment system would be revised on  XXXX   XXXX ,  XXXX . I was given a reference number :  XXXX , and told that fees for a telephone payment would be waived.     With this information, I assumed that the payment would be deducted on  XXXX   XXXX . It was not.     I contacted  Citizens  Bank today, and I was told that they did not have any record of the conversation and that the reference numbe r I  submitted did not substantiate anything. I was further told that the fee would be waived, as the website was still not working  (  more on that ). After being transferred to a supervisor, I was told that the website does work and was given instruction oh how to use the website as  four  additional numerals are required in addition to my account number. I then asked about forced interested that I had to pay as a result of the computer problems. The supervisor said I was too stupid to use the website correctly. I ended the call shortly thereafter.     I am unaware and have no confidence that the telephone payment fee will be waived, that automatic debit payments will occur, and lost interest that I was forced to pay to this company will be returned.     This company claims the following information to be true :  Citizens  Bank is a brand name of  Citizens Bank, N.A . ( NMLS ID #  XXXX  ) and  Citizens Bank of Pen nsylvania  (  NMLS ID #  XXXX  ).   Citizens Bank corporate headquarters :  XXXX   XXXX   XXXX ,  XXXX , RI  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

soft credit inquiries were performed by Discover card, despite my never having applied for a credit card : DISCOVER FINANCIAL SVCS Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX in summary, 11 times in XX/XX/XXXX, 12 times in XX/XX/XXXX. spoke with 3 team members at discover and they all told me i would have to speak with the credit bureaus to make it stop.
Product: Credit reporting or other personal consumer reports

I've noticed that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. I am a victim of identity theft, and my information was used without my consent. As a result, a fraudulent item is now showing on my report, one that I have no connection to. Following the proper steps, I filed a report with the Federal Trade Commission ( FTC ) as advised by TransUnion. Despite submitting the report, this fraudulent item remains on my credit report. This is extremely concerning and continues to cause me distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XX/XX/XXXX Dear TransUnion, My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXX Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 

XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

XXXX ) Documentation that shows I agreed to pay this debt with my signature. 

XXXX ) The Agreement that grants you authority to collect on this alleged debt. 

XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote equifax several times on a debt collection which is a medical bill that is reporting to my credit report that is not mine and they refuse to remove it from my credit report. Im also a victim of identity theft since XXXX and I also sent in my Police report as well as my documentation to prove my identity. They still refuse to remove it. The name of the collection is call XXXX. XXXX. I sent them letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have provided proof that I've been a victim of identity theft ; Experian has violated several of my consumer rights under U.S. law. 

As per Section XXXX of the XXXX, I request your assistance in reviewing this matter and ensuring proper enforcement mechanisms are implemented. The negligent actions of Experian have caused significant confusion and harm to me as a consumer, and the responsible parties must be held accountable for their failure to adhere to the law. 

I requested that the following accounts be removed from my report due to being a victim of Identity theft. 

Account name XXXX Account XXXX XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number - Account name XXXXXXXX XXXX XXXX  Account XXXX XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX  Account XXXX XXXX Thank you for your attention to this serious issue. I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there was a late payment reporting on my credit report, and under 15 USC code 1681a definition and rules of construction ( 2 ) exclusions : the term credit report does not include ( i ) : report containing information solely as to transactions or experiences between me the consumer and the person making the report. I also recieved an alert on my credit monitoring service that XXXX XXXX fixed the error and updated everything to current, so there should be no late payment reporting at all.
Product: Checking or savings account

REGIONS EMPLOYEES ACTED IN RETALIATION AND NEGLIGENTLY CLOSED MY DEBT CARD WHILE IN NEED. THIS CAUSED financial harm.

I contacted regions for excessively applying atm fees to my account. I clearly stated it was not fraud and to leave my card alone. On the XXXX i had an atm fee added. The way all the interactions went. You can tell it was on purpose and do to the instructions provided by rep.

They supervisor insisted it was fraud reporting. No matter how many times I pointed out the fact I said it wasn't. I then asked would I be getting all my fees and money back then if you guys self-reported it as fraud. They said no which in turns means they want to have it both ways.
Product: Credit card

XXXX A bill was received from Commenity XXXX XXXX  credit card stating a {$1400.00} interest was charged to the account. 
I called on XXXX to the company to compain about the large quantity charged especially since it is more than the amount that is due. Only {$770.00} was due and now there is an interest charged double the amount that was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX # XXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights 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 I have some inquiries that I didn't authorized and unaware of. 

The Inquiries are XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CO Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Franklin Collection Services ( XXXX ) XXXX claims that XXXX sent me into collections but XXXX ( XXXX ) XXXX says not true.
Product: Debt collection

Management Capital United Holdings called me several times, they said my name and address and said they had my social security number ( when i XXXX them nothing shows up ) they called my place of employment and a relative. Ive never received a letter from this collection agency so i don't know any amounts or the original company. They've called five times this month and said they would press charges against me to the fullest extent of the law and I needed to govern myself appropriately. Ive tried calling them back but when I called I got an answering machine with NO company 's name until I followed the prompts and I got a voice mail again. They said my account has reached escalation and will be sending papers to my home in XXXX.
Product: Credit reporting or other personal consumer reports

Correct Data : Account PAID As Agreed ( In FULL ) ON Time 100 % -All Bureaus. 

Current FICO TransUnion Report : Older Derogatory Events : 60 Days ( XX/XX/2017 ) Older Derogatory Events : 90 Days ( XX/XX/2017 ) The information, containing derogatory dates, is unique & and misaligned in comparison to the same account data across both XXXX and XXXX. I did not authorize these inputs of inaccuracies. 

This Data Needs to be removed.
Product: Checking or savings account

On behalf of my late grandfather 's safe deposit account, The Staff at the XXXX XXXX of Capital Bank was forced to close his account on XX/XX/XXXX without his knowledge by mail. Unfortunately, he passed away on XX/XX/XXXX. My family and I have attempted to get his valuable contents from a safe deposit box. The contents are {$10000.00} cash, jewelry, and a XXXX property deed. Therefore, It has been unsolved since XX/XX/XXXX, even with help from an attorney. Recently my attorney filed a petition from a XXXX XXXX XXXX last XXXX, but still no resolution because of the unassigned file number.
Product: Vehicle loan or lease

XX/XX/2023 - a {$420.00} repo fee accessed to my account. I had no knowledge of the repo fee and it was never stated on my statement. Kia took my {$540.00} car payment and instead of applying my car payment to my principal balance and interest, they applied the money to an expense. I had no knowledge that any of this happened until I got online and looked deeper into my account because Kia was stating I was behind on my payment. 

XXXX Kia charged me {$52.00} in late fees. I was late due to the fact that Kia took my {$540.00} dollar car payment that I made in XXXX and applied it to a fee that I was unaware of. So because no money of the {$540.00} went to my car payment, I accessed late fees. 

I have gone to small claims court with Kia as the defendant. Kia could not explain the repo fee to the judge. Kia agreed that the repo fee was not stated on my statement I was awarded nothing by the judge.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to draw your attention to a discrepancy in my credit report that requires rectification. Upon a thorough review of my credit report, I have noted late payment entries listed on my account. 

I am confident there has been an error, as I have consistently maintained a timely payment history with these accounts. I kindly request your assistance in investigating and rectifying this inaccurately reported information on my credit file. 

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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}
Product: Checking or savings account

Someone created an account with my information. I became aware of this when going through my emails. There were many emails when the account was created. One of which was an emial verification that was never opened. If the email was never verified than why was an account even created?
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations: addresses not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX
Resident type
Single family
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

FCRA violations: payments never late
XXXX XXXX XXXX
Potentially negative
Date opened
XX/XX/XXXX
Balance
XXXX
Status
Open.

FCRA violations: accounts not mine
XXXX  Potentially negative
Date opened
XX/XX/XXXX
Balance
-
Status
Closed. XXXX written
XXXX XXXX XXXX
Potentially negative
Date opened
XX/XX/XXXX
Balance
XXXX
Status
Collection account. XXXX