23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR GeneRallY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. 
( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. 
( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( XXXX ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity. 
( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-XXXX  company has no permission to report my information per 15 USC 16814 .
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX and Transunion, I take no pleasure in writing this complaint. I am really not the type of person to complain at all. I am just trying to fix my score so I can Purchase a car to get to the XXXX My complaint is that you have the one collection from XXXX XXXX on my Credit Report with the wrong amount due. I do not owe them {$550.00}. The Credit limit was only {$250.00}. You and I have not been provided Itemized charges adding up to {$550.00}. Also, I demand that you remove that second late payment listed on my Credit report. Late payments are 35 % of my score and I pay everything on time. I have never owned that collection from XXXX and have Not agreed to any kind of payment. Please remove those late payments!! I am not making a threat, but I believe that my state Attorney General and the Federal Trade Commission should be involved. You are the only XXXX XXXX agency listing late payments. I am disputing everything about XXXX XXXX. How can I have a late payment when I never claimed ownership. You are the only Credit Reporting agency that wont let me use my online account that I have always had with you XXXX. You play dirty and I demand that you delete the late payments ASAP
Product: Mortgage

XXXX XXXX XXXX ( XXXX XXXX ) is in violation of the CFPB guidelines where they must review 37 days or more prior to a scheduled foreclosure sale. The bank is making up guidelines as they go and are not following the CFPB 37 day rules and regulations. 

Here is a summary of what happened : XX/XX/XXXX Short sale file was submitted with a sale date about 50 days away. 
XX/XX/XXXX-XX/XX/XXXX- Back and forth communication, then the short sale was closed out on XX/XX/XXXX saying listing period expired. 
XXXX XXXX XXXX Back and forth fighting with XXXX and we were told the investor wanted 90 days prior to a sale date to review for a short sale. 
XXXX XXXX Called investor XXXX XXXX and they said if its over 37 days they will review for a short sale. XXXX is making up their own rules. 
XXXX XXXX XXXX : Back and forth fighting with XXXX XX/XX/XXXX - XXXX stated they need 120 days to review for a short sale, another change XX/XX/XXXX - XX/XX/XXXX - Back and forth fighting with XXXX XX/XX/XXXX - XXXX stated they need 90 days to review the short sale, the rule is XXXX and we advised them of the CFBP guidelines. 

Currently XXXX won't review for my short sale. I am doing a short sale to save my credit and leave my home with dignity and to do the right thing. The offer is 95 % of the bank 's current appraised value. There is no reason XXXX should be doing this.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX and I purchased my home in XX/XX/XXXX, the worst year to buy since prices of homes were high and now the value and cost of homes has plummeted. 
Since I purchased the home, the XXXX has had me away from it on XXXX and XXXX for six of the eight years I 've owned it. 
I 'm currently XXXX to XXXX and not receiving a housing allowance since my XXXX started from XX/XX/XXXX. 
I worked with a realtor ( XXXX XXXX ) towards a short sale but due to the VA 's inflated appraisal, the house has not had any offers on it in over 8 months now. 
The bank is trying to foreclose but I 'd prefer a new VA Appraisal and it be short sold instead. Is there any possible way the CFPB can help? This is my second attempt to have the CFPB assist. Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Balance : {$730.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX Balance : {$580.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

PORTFOLIO RECOV ASSOC XXXX Balance : {$560.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance : {$550.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX Balance : {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$260.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$150.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have requested to remove these fraudulent inquiries from my credit report. Please see attached documents.
Product: Mortgage

This is about PMI removal. I had an appraisal done on my property that came in too low to get my PMI removed. I contested this and the company refuses to acknowledge the changes or provide next steps.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, I was born XXXX, my social is XXXX. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me with this issue.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

On Tuesday morning, XX/XX/2022, I tried XXXX  myself {$550.00} to another account of mine to pay my bills that are due. I was unable to, so I tried {$500.00}, and was unable to. Next, I tried XXXX {$1.00} and it completed and was deposited into my other account. 

I next tried to XXXX  myself {$490.00} to the same account and it didnt go through. 

But, in between me trying to XXXX myself, I had to call to get my account unlocked I also spoke with the fraud department as well, to verify and XXXXmyself. 

The third individual I spoke with. XXXX, she said that she was the accounts supervisor, She is the individual that actually restricted my accounts. I spoke with two other individuals before XXXX, and they were just as horrible as XXXX. 

So later that morning, about XXXXXXXX XXXX, I called Chase back, because I noticed that my account was still locked, and the individual I spoke with told me that my account had been restricted and the accounts were closed, so I tell him that that wouldnt be necessary because I can walk across the street to close my account. When I get there, I spoke with a couple of guys that informed me that they were not able to dispense cash and I could use the ATM. As I am sitting there, he looks up my account and tells me that my account has been restricted and I would not be able to access any of my accounts nor use my ATM card or my debit card. 

So, after my appointment I was late for, because I sat at that branch for almost two hours, I went to another branch in XXXX and the same thing. 

I left that branch and decided to call Chase again, and I spoke with one of the most XXXX individuals ever.she was the worst of the previous three individuals I spoke with. 

So, as of today, XX/XX/2022, I still do not have my monies nor has my bills been paid. I have not had a late payment on any of my bills in more than 3.5 years or more! 

When bank are allowed to steal from their account holders, this is shameful and awful. 

Thank you for your time and service.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on ACCOUNT/S. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$80.00} XXXX  XXXX XXXX Balance : {$110000.00}
Product: Mortgage

My mortgage servicer changed from XXXX XXXX to PHH Mortgage Services Received a letter stating my property was going into foreclosure. I've made my mortgage payments on time and since the servicing changed to PHH the customer service is bad and I've had difficulty with the posting my mortgage payments to the mortgage account. I called PHH mortgage to make a mortgage payment and was told the system was down and to wait until the loan was in their system of which I called several times and they finally took my payment over the phone. I have not been late paying my mortgage. When I call PHH I speak with Customer Service to check the status of my mortgage they would tell me the computer is down or they don't have information on the mortgage.
Product: Checking or savings account

In XXXX of 2019 Citibank offered to open a new checking account, which allowed to earn XXXX XXXX XXXX XXXX bonus miles after meeting certain conditions, specifically by depositing {$15000.00} and keeping them for at least 60 days ( see the attached ). As I found out later the Citi program internal code was XXXX. 
I stopped by two different local branches, but nobody had any idea about this program and offer, and refused to open an account. After multiple attempts and calls to Citi, I finally opened online an account on XX/XX/2019 and deposited {$15000.00}. Per Citis request I also submitted a Form W-9. My full {$15000.00} deposit is still with Citi. 
After 60 days of my account opening, I started calling to your customer services department ( I have a record of all my calls and hopefully you too ) in order to find out when the promised miles would be posted on my XXXX XXXX account. Unfortunately, every time I had to explain to a representative the program that nobody was familiar with, but the response has been the same : I am eligible for the bonus miles, and should receive them soon, but it could take up to 90 days after initial 60 days. 
Finally, this due date had passed, but the miles have not been posted. On XX/XX/ 2019 I called again and talked with a customer support supervisor. He told me that he could not figure out what the situation with the bonus miles was and opened an internal inquiry # XXXX. He also stated that the investigation would take another 5-7 business days. 
Yesterday I talked with another supervisor. She told me that she could not find the initial trouble-ticket and opened a new one XXXX. However, she told me that it would take another 20 business days to investigate. 
Such situation is extremely frustrating to me, and I perceive it is a deceiving practice if not to say a fraud. I have spent many hours on fruitless discussions with clueless Citi representatives without any result. Meantime, Citi is using my money basically for free without any interest. 
Based on the above I am demanding : 1. Immediately post XXXX bonus miles on my XXXX account ; 2.  Get an explanation how the financial institution as Citibank could treat such terribly its customers, and what will be done to fix this problem. 
I believe I am not the only customer of Citibank who deal with this problem. Therefore, I hope that the Customer Financial Protection Bureau will look at this situation in order to avoid it in the future and protect many of us. 
Thanks,
Product: Mortgage

XX/XX/2019 XXXX in the XXXX, I called my mortgage company, Carrington Mortgage and made an escrow information request which was denied. 
I spoke to XXXX who denied the request and then to her boss, XXXX, who also denied it. Saying there was a " moratorium '' on escrow amount requests.
Product: Credit card

I applied for an Amex card due to their promotional offer. I was about to book my honeymoon trip as soon as I got the card due to their offer of spending XXXX in 3 months or XXXX in travel in 6 months which I most certainly would have. Upon receiving my card I was told I only had a XXXX credit limit and it could not increased for 60 days, unfortunately my honeymoon is in exactly 60 days so I can not wait to book the trip. At first I was told EVERYONE started at XXXX credit limit, then I was told it must be due to my credit score ... of XXXX. Then I was told it was due to my number of credit card..I have XXXX. Then I was told it might be due to the credit limit I have, a combined XXXX limit compared to my income ... my income is more than 10 times that amount not combining my fiance 's income. Finally I was told the number of loans may have affected the credit limit I was given ... I have zero loans. So I ask why bother doing a credit check, and putting a hard inquiry on me, if I would get something standard and low and how am I to take advantage of this marketed offer without having a high credit usage? The response was to charge my trip, ask for permission to go over my credit limit and pay off the balance so I can charge the rest of it thus eliminating the purpose of a credit card. I do n't see how an average consumer can take advantage of the marketed offer, specifically the first 3 months, without incurring a high credit usage. On top of that why bother running a credit report on me and end up giving me a XXXX credit limit. The response I got kept changing and their was no justifiable reason for the low credit limit. I was unable to book my trip, wasted my time waiting for the card to arrive and closed my account immediately with them.
Product: Mortgage

I submitted a complete modification packet to Seterus Mortgage in XXXX XXXX ; along with document regarding insurance claim regarding damage to the my home after hurricane XXXX. I told that Seterus could get those documents and I was given a wrong number by them to contact but I found the documents and submitted those at the first of the year. I was told that the documents would be reviewed and I would have a decision within 45 days. I called to get the status of the modification the first part of XXXX and was informed that no one had reviewed the documents and I would have to re submit the documents. Now I am being faced with a foreclosure date of XXXX XXXX, XXXX. I resubmitted the documents and am being told different things by different service representative. For example I did not have copies of stubs because my payroll is direct deposited ; I was told to mark on my bank statements all payroll deposits which I did. The next rep advise to to a letter stating that my payroll is direct deposited. I submitted income statements and that was rejected asking to explain real estate expenditures with specifically stating what exactly what they wanted : I had XXXX, XXXX and XXXX in expenses : I sending back exactly hoping that is what they are looking for ; but time is of the essence. My copy will be sending me the copies had I know the bank statements were not sufficient I would have worked on that. I was leaving out of town for job training and was away from documents. I was sent a letter dated XXXX/XXXX/XXXX requesting that I send in another packet and it had to received by XXXX/XXXX/XXXX and I received it XXXX/XXXX/XXXX after work! I am gainfully employed and would like to remain in my home ; I had hope to have this resolved by the first of the year. I feel as if I being told things that are erroneous ; and as stated earlier ; time is of the essence. It is my desire to work with Seterus but I would like a person assigned to work with me to assure that this time my documents are not neglected and expeidited since they admit that I should have been contacted regarding my original modification submission. I faxed XXXX pages and I have a confirm receipt that the documents were received. Additionally, I would like the foreclosure date set back to sanely accomplish getting them the documents requested ; I have to take off work every time at the last minute to accommodate them. I am working XXXX jobs to get my finances back in order ; in what has been a rough and rocky road ; that began with XXXX guys in a stolen car ; totalling my parked car. I had only dropped the full coverage 6 months earlier because it was paid for. I would appreciate help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pulled an unauthorized credit report for me. See below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please have this credit inquiry canceled, as it is fraudulent. 

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

I have noticed that I have several account that do not belong to me. I would like for them to be removed from my credit report. Please see below : XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX  XXXX : ALSO THEIR ARE SEVERAL HARD INQUIRIES THAT ARE NOT MINE PLEASE DELETE : XXXX, XXXX XXXX XXXX XXXX  XX/XX/2019, XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/2019, 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 XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made XXXX payments. I did not incur any late fees, and I urgently require your assistance to address this issue.