23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After agent who worked mortgage / loan dept. in the XXXX CA branch of Citibank solicited me to increase an existing credit line of {$260000.00} to {$320000.00} ( 10 yr interest only note ) consummated on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I was notified of a loan modification approval by CitiMortage. I made 3 trial payments but did not sign and return the loan modification documents due to a question I had regarding the terms not aligning with what I was " told ''. I called and expressed my concerns to the executive response team member XXXX XXXX. Additionally I informed XXXX XXXX that the lien being held by CitiMortgage was in 3rd position on my property since XXXX XXXX due to no title search being performed by CitiMortgage at that time. I believed falsely that it was in CitiMortage 's interest to work with me to resolve this matter due to CitiMortgage 's position on my home being 3rd and not 2nd as they believed until I informed them. See complaint # XXXX In a letter from CitiMortgage dated XXXX XXXX, XXXX I was informed that I had been rejected for a loan modification due to the fact that CitiMortage was in 3rd position on my home. Furthermore however in the same letter it was stated that ; " Upon receiving your follow up inquiry regarding the modification documents, we were re-reviewed your request and required an updated title report before we could make a final decision in connection with your dispute. We found that your HELOC account is in third lien position, which automatically disqualifies you from qualifying for a FDIC second mortgage modification. The HELOC reset modifications allow third lien position accounts ; however, you do not meet the maximum guidelines for the modification.Therefore, we are officially declining your request for a modification ''. After all this effort and my misguided candor informing CitiMortgage of their factual position on my home after over 10 years instead of working with me further it is stated within CitiMortgage letter XXXX XXXX, XXXX " you do not meet that MAXIMUMguidelines for a 3rd position modification ''. CitiMortgage established their position on my house the last quarter of XXXX by not performing a title search prior to extending {$320000.00} HELOQ credit line on my home. IF they would have simply asked for the 3rd lien holder ( prior to XXXX XXXX, XXXX to subordinate it could have been accomplished in several days. Now the former 3rd lien holder is the 2nd lien holder and, post recession is fearful to return to his 3rd position believing CitiMortage intends on foreclosing on my house. CitiMortgage has retroactively charged me interest and principal beginning XXXX XXXX, XXXX. On XXXX XXXX I was forced to declare Chapter XXXX Bankruptcy. After 4 months unsecured debt will be discharged.
Product: Checking or savings account

I am filing a complaint regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. I was supposed to receive my deposit on XX/XX/XXXX XXXX, many others were supposed to receive it on Wednesday. Capital one issued a statement late morning on Thursday XX/XX/XXXX saying the issue would be resolved by XXXX. After XXXX they ensure it would be resolved overnight or by Friday Morning. By Friday afternoon  deposits are still missing and they said it would be resolved by Saturday morning.
Product: Credit card

I taught I was applying for a regular credit card, this turned out to be a scam. They issued me the card with a XXXX. XXXX dollar amount, but recevied the card with amount of XXXX after they toook a fee of XXXX.
Product: Debt collection

Asset Acceptance based in XXXX, XXXX is a debt collection agency that has now attempted to ( and partially succeeded ) in collecting funds from my bank account via levy, on three separate occasions. I can provide paperwork and exact dates of each levy attempted, as needed. 

This debt was based on a XXXX XXXX XXXX credit card that was last paid XX/XX/XXXX. The 90 day window for the time of delinquency puts the date at XX/XX/XXXX from when the attempt for debt to be collected began. 

The statute of limitation in my home state ( XXXX ) regarding oral or written contracts is six years. As of the current date, This debt has not been collected for seven years and five months. 

The only correspondence received was from XXXX County courts, alerting me that funds were attempted to be collected from my bank account. When contacting the courts I was given a phone number with voicemail to contact. After leaving voicemail on three occasions, no return calls were ever made to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I disputes an inaccurate and unverifiable medical collection with Equifax..3 alleged accounts total.Equifax removed 2 of the accounts but came back with the third account as verified.These same accounts from the same data furnisher were disputed also with XXXX  and XXXX both CRA 'S deleted all 3 alleged accounts from my credit file.My right to a 100 % accurate credit file has been violated and Equifax has failed to comply with the FCRA.I have provided proof that these accounts should be deleted immediately from my credit file.My ability to obtain financing has been severely harmed.
Product: Mortgage

They sent me a message saying my mortgage loan was payed off. I have gave them over {$28000.00} XXXX. And was told over the phone it was payed off. They told me to make one payment in XXXX and that would be it. Now they say I owe {$4800.00}. They charged me all kinds of fees and to much interest and didn't apply the money I gave the. To the principal.
Product: Vehicle loan or lease

I have tried to reach out to Santander Consumer many times regarding their willful negligence in violation with FDCPA AND FCRA and the loan they have failed to respond in compliance with the Fair Credit Reporting act and the FDCPA. 

The laws of the state of California and UCC 9.601- 9.607, 9.609 9.611-613,  9.615, 9.623, 9.627 ( b ) along with California Motor Vehicle Installment  Sales Agreements and Retail Installment Sales Agreements clearly state that a deficiency balance can not be claimed if the required notices were not properly and timely given. I must be permitted a certain time to cure and or redeem which is not available if the proper notices are not submitted. 

Satander Consumer USA never provided copies of the legal notices sent to me along with proof that the resale of the vehicle was completed in a commercially reasonable manner as required by law, in addition to a detailed and itemized calculation of the balance they claimed was due. 

Also, in accordance with the California Department of Revenue Repossession Title Requirements I NEVER received : 1. Copies of the written notice SANTANDER CONSUMER provided to all lienholders by first class mail of the intent to file for a repo title and 2. A copy of CALIFORNIA form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lien-holder. 
The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle and I did not receive this from Santander Consumer USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It saddens me that I have to make several complaints in the CFPB regarding Bureaus and their reporting processes. At least XXXX times Ive had to complain about duplicate accounts on my credit report and this is getting RIDICULOUS. Especially when Im in the market of buying a home. Upon checking my report, I noticed that both XXXX and Equifax are reporting duplicate information and incorrect information on my credit report. As a consumer I deserve the right to a credit report that is 100 % accurate, however, both Bureaus are allowing incorrect, inaccurate, and duplicate information to remain on my credit report. Account number : XXXX is reported on my report XXXX  times and is damaging my score. I have reached out to the Bureaus and told informed them about this inaccurate information and unfortunately, they have not responded. I am documenting this letter as an effort to hold Equifax and XXXX accountable for ensuring the information on my credit report is accurate. it is not accurate it needs to be deleted asap! THERE IS NO REASON OR EXCUSE FOR THIS TO BE ON MY REPORT XXXX  TIMES. I expect them to be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address multiple inaccuracies reported on my XXXX, Experian, and XXXX credit reports. These inaccuracies include fraudulent accounts, unauthorized hard inquiries, and outdated or incorrect personal information. Despite providing supporting documentation, including an FTC Identity Theft Report and proof of identity, XXXX, Experian, and XXXX have failed to resolve these issues in a timely and accurate manner. I am requesting the immediate removal of all fraudulent and incorrect information pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am filing this complaint to assert my consumer rights, seeking your support in formally demanding the credit bureaus conduct a thorough reinvestigation of the contested account on my credit report. Simultaneously, I request the correction of this account during the investigative process. Despite the allocated time, my plea for the immediate correction of the following account has been ignored : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I applied for a home loan with XXXX XXXX XXXX in XXXX, AL and upon the initial review it was not made known that I had two loans with American Education Services ( original {$3000.00} each, now {$6000.00} each ) that did not show a monthly payment amount. I did not notice this until the 11th hour of closing, XX/XX/2021, where closing is XX/XX/2021. Now I know why the loan consultant kept mentioning DTI. Instead of listing my actual monthly payment of {$25.00} on the credit report that I consistently paid with an arrangement due to a chronic medical issue. Before this payment, I was making {$42.00} each loan for three years straight ( {$84.00} XXXX without a decrease in principal in which documentation is attached. XXXX XXXX Loans has assessed the 1 % rule to these loans now totaling {$12000.00} which is showing a monthly payment of {$120.00}, bringing up my DTI where I have to put down 20 % instead of 16.5 %. This is very stressful, to say the least, unfair, and a violation of fair credit law. The loan consultant at XXXX XXXX XXXX is refusing to accept my request to correct the matter due to time constraints and the fact that these loans are in deferment.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

Flagstar Mortgage has fraudulently managed my HELOC. They set up my account so that I was unable to make payments online. And despite the fact that I had called them many times and had set up my account for auto-draft, and despite the fact that they would claim on the phone that my account was current and up-to-date, sometimes even the next day I would get a warning that my account payment was overdue. 

I have been calling and calling and contacting their fraud department and even the highest office I can ( where she confirmed months ago the company had messed up my account and that they would remove the " late payments '' marks on my credit ), NOTHING Would happen. I've been calling them for months. And even now, each month it marks my account as overdue. 

This is outright fraud. I have many documents, emails and many many phonecalls. In the summer when they told me they were " investigating '' they wouldn't even LET me make payments on the phone, and yet my account each month gets a ding on my credit. Flagstar head investigator, XXXX XXXX assured me at the beginning of XXXX that this would be cleared up and off my credit report, yet I heard nothing. I finally got a hold of the manager she said would take care of this, XXXX XXXX, XXXX said she didn't know what I was talking about. She said she would investigate and call me back, and STILL NOTHING! I just got another hit on my credit. I've lost my dream home and now my credit cards have lowered my credit limits because my credit is so horrible 100 % because of FLAGSTAR back. 

Please investigate them for fraud immediately.
Product: Student loan

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Product: Mortgage

I have made several requests that XXXX update my accounts with the payments. In reviewing my Select Portfolio account I have found yet another one of my account that does not have correct information. My loan was transferred to SPS back in XX/XX/2020 which they sent me a letter stating the change. My first payment was sent to them XXXX and XXXX but their records show no evidence of the payments being reported
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX or XXXX I ordered a transfer of funds from my savings account at XXXX Goldman Sachs to XXXX XXXX to purchase a 13 month CD with a good interest rate. I went through the process of verifying test deposits from XXXX into the XXXX account. XXXX called me at XXXX on XX/XX/XXXX. I couldn't answer and I called them back at XXXX, two minutes later. They were calling to verify my transfer of funds to XXXX. I thought this was odd- it has never happened with any other transfer I've made at any other bank. Anyway I told them yes, the transfer was legitimate and that I had made it. They said " fine, we'll go ahead ''. Then on XX/XX/XXXX I logged in to my XXXX account and found that the CD that I had purchased with the funds from XXXX had been opened on the XXXX but then was closed on the XXXX! No sign of the funds. I immediately called XXXX and asked them if they knew what was going on. They said that because I didn't answer the phone at XXXX on the XXXX they decided to " pull the funds back '' ( their words ). I am outraged that they arbitrarily and without consulting or informing me closed my account at another bank and took the money back to themselves. Surely this can't be legal!? Of course I can't contact XXXX because it's XXXX and they're closed, so I can't ask them why they allowed this to happen without consulting me. I talked to two different people at XXXX both equally useless who just read from a script and blamed me for not answering the phone even though I called them back 2 minutes later. This seems like a scam they are running. Since when is it incumbent upon a client to answer a phone call to confirm a transfer order he made when he went through the already complicated process of validating his account with test deposits, logging in with his secret password, etc. etc.? The attractive CD rate at XXXX is now gone and XXXX just has a XXXX XXXX XXXX XXXX! attitude. I am closing my accounts there as soon as I can.
Product: Checking or savings account

I started my XXXX XXXX checks with direct deposit to my credit union XXXX on XX/XX/year>. XXXX XXXX XXXX I didn't receive my checks. I went to the XXXX office and after doing an investigation they found XXXX checks went to XXXX XXXX and XXXX went to JP Morgan Chase. I didn't authorize the change. XXXX immediately returned the XXXX checks but Chase says XXXX were deposited in an account and tells me since I don't have an account they can't help me. How did my money get put in an account that I don't have? I have been getting passed back and forth between XXXX and Chase for almost a year. I don't know what to do. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

It disappoints me to see that the Credit Buraus haven't done anything to correct my Credit Report despite the countless attempts to establish a firm communication with the Credit Bureaus. I have been sending dispute letters to the Credit Bureaus to inform them that I am a victim of XXXX Identity theft I write to dispute information on my Credit report that resulted due to identity theft. The Credit Bureaus are required to remove any accounts and information that the Consumer identify as item resulting from the identity theft. I have been trying to emphasize the importance of the FCRA section 605b to the Credit Bureaus trying to protect my rights and correct my Credit file from any erroneous reporting. I am hoping that by submitting this complaint through the CFPB, my voice would be heard by the Credit Bureaus and have the disputed items removed immediately. Here the list of the items I need deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX {$980.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this before and still it shows on my credit reports. This is not mine, I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX
Product: Debt collection

I RECEIVED A LETTER FROM MIDLAND CREDIT MANAGEMENT ABOUT A CREDIT CARD THAT I DON'T HAVE ANY KNOWLEDGE OF AND SAYING THEY ARE CONSIDERING FORWARDING IT TO AN ATTORNEY. I'M ATTACHING MY CEASE AND ASSIST LETTER WITH THIS COMPLIANT.
Product: Credit reporting or other personal consumer reports

Dear whom it may concern at Equifax and the Consumer Financial Protection Bureau, I am writing to formally dispute several unauthorized inquiries on my credit report, which I believe constitute violations of my rights under the Fair Credit Reporting Act ( FCRA ). The inquiries listed below were made without my knowledge, consent, or approval, and I request that they be removed from my credit report immediately. 

The unauthorized inquiries on my Equifax credit report are as followXXXX 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 XXXXXXXX Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer credit reports. The presence of these unauthorized inquiries indicates that Equifax has failed to adhere to this statutory requirement, as these inquiries were made without my authorization and compromise the accuracy of my credit report.

Furthermore, according to 15 U.S.C. 1681i ( a ) ( 5 ), if any item of information is disputed by a consumer, the consumer reporting agency must promptly delete or modify the disputed information if it is found to be inaccurate, incomplete, or unverifiable. I have disputed these inquiries, and they have not been removed, thereby violating this provision of the FCRA.

Additionally, under 15 U.S.C. 1681s-2, furnishers of information are prohibited from providing information they know or reasonably believe to be inaccurate. By allowing these unauthorized inquiries to appear on my report, Equifax has failed to ensure that the information provided by furnishers meets the accuracy standards required by this statute.

Given these clear violations of my rights under the FCRA, I demand that Equifax promptly remove these unauthorized inquiries from my credit report. Failure to comply with this request will result in further action, including complaints to regulatory authorities and possible legal action to enforce my rights. 

I appreciate your prompt attention to this matter and expect a resolution within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked amsher Compassionate collections to Only contact me by email. 
I have a payment arrangement. Set up for a XXXX a month... But they continue to Call and harass me demanding payment Even though i'm three months ahead ....
Product: Debt collection

The complaint Dept Consumer Financial Protection Bureau My complaint is regarding a company known as Capio Partners LLC. 
I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XXXX  and XXXX  credit files. This is not my account and i want it removed from my XXXX  and XXXX Credit files permanently. 
Account Info Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX  HOSPITAL {$200.00} 0 % paid off XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.