23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I chose the XXXX XXXX as my lending company as they offered the lowest rate. I was given a VA lock set to expire in XXXX with construction completion scheduled for XXXX. As delays began to occur, I reached out to the lender to express my concern regarding raising interest rates. I received what appeared to be an official letter, on company letterhead, signed by XXXX XXXX himself which stated " Please let this letter serve as verification that we will lock your VA rate at 3.75 % ( 30 years ) for 90 Days ( tomorrow ) for the purchase XXXX XXXX XXXX XXXX AL XXXX. Should construction not be completed per VA standards within the 90-day period, we will extend or relock your rate for no additional fees in the form of origination costs, discount points, underwriting or processing fees. This applies to lender fees only as we can not control 3rd party costs. '' The mandatory language of " we will '' set my mind at ease and I didn't pursue another lender or concern myself with rising rates. Now that a closing date has been set I was sent an email from the lender with a rate adjustment based on current market conditions of 6.1 %. Of course it came with an apology and statements such as there's nothing they can do. The agent went as far as to say they felt so bad about the situation they tried to waive their commission but unfortunately was unable to do so. I called XXXX XXXX who expressed the same sentiment and after I said his actions were unethical and I would be filing a complaint, he attempted several times to offer me a better rate. I decided to change lenders as I have lost all trust and confidence in the XXXX XXXX and have lost tens of thousands of dollars over the course of my loan as a result of XXXX XXXX 's unethical business practices. I should've been given the opportunity months ago when I expressed concern to find a better rate to lock into instead of being sent a letter that isn't worth the paper it is written on. Any help resolving this matter is greatly appreciated. I will be seeking legal representation to recoup monies lost due to this fraudulent letter.
Product: Mortgage

On XX/XX/XXXX, we refinanced our home with XXXX XXXX XXXX ( PHH Mortgage Services ). At that time we paid into escrow over {$5000.00} for property taxes that were coming due in XXXX. In XX/XX/XXXX we found out that our taxes were not paid and we contacted XXXX XXXX XXXX to find out what happened. At that time we were instructed to fax a copy of our property tax bill to them and they would look into it. On XX/XX/XXXX we faxed a copy of the property tax bill to them and a couple days later we followed up with another phone call for an update. At that time we were advised that they were still looking into it and to call back. This has been going on for two months of repeated phone calls and being told that its being looked into. Finally, on XX/XX/XXXX we received a letter from XXXX XXXX XXXX c/o PHH Mortgage Services stating that WE are responsible for the property tax payment ( despite there being approximately {$8000.00} in escrow ). Due to XXXX XXXX XXXX failing to pay our taxes on time we incurred {$640.00} in penalties and interest from our county tax assessor.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sd XXXX XXXX Regarding the account closure XXXX described below, I received a call from XXXX XXXX w citi at XXXX. He put us in touch w XXXX XXXX, Executive offices, XXXX. 

Ms XXXX advised there was no way to reopen the card. She promised to open a new credit card acct for us which would have the same credit history and same credit line. She also offered a balance transfer option at 0 % interest for 18 months. There was no mention of date expiration of this offer. Subsequent calls to Ms XXXX went unreturned. I was attempting to set up an appt for a phone call. Weeks passed and then I received a letter stating it was no longer review it for reopen. This is a contradiction to being told there was no way to reopen the card. In response to the XXXX  XXXX XXXX XXXX case XXXX I received a letter from XXXX XXXX dated XX/XX/2018. 

I need the offer extended to me for the new card and do not wish to deal with the application center. Need a call returned to me from someone that can honor these terms. 

Phone : XXXX XX/XX/18 Citicorp XXXX XXXX XXXX XXXX XXXX XXXX, sd XXXX Re complaint # XXXX and the attached account closure letter. 

we request the bank reopen this acct. we called as instructed in the letter but were denied. We filed the complaint. 

The bank failed to notify us of an intent to close the acct before doing so. Simply not using the acct is not grounds for closing the acct without advance notice. 

You are damaging my credit score and forcing me to do a hard pull to re apply, further damaging my credit score. 

I will contact the FDIC and the XXXX  if you do not reopen the acct. 

Send a new card or the mastercard which is replacing the visa. send this matter to the president 's office and customer complaints dept XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, ny XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of ID theft and Experian will not remove this inaccurate information
Product: Student loan

Coast Professional XXXX has my student loan debt and I've been trying to work with them to get a payment plan set up. It's been 3 months now and I've been paying them yet nothing is reflecting. They call me - 1. They don't tell me who they are 2. They ask me to verify my social security and birthday. When I refuse they refuse to tell me who they are. Once I've verified my SS and Birth date, which I am uncomfortable with it. They keep telling me there are missing documents or something wasn't signed. I've looked at everything I sent them, I spoke to a lady named XXXX and we went over EVERY single form to make sure it was good. But every 2 weeks they call and demand more and try to tell me my payments are counting towards my balance. I am being harassed about it and I feel like the money I am paying, is being pocketed. - Attached is the document ( 1 of many ) that I agreed to pay but they called and said they didn't receive it ( yet XXXX said she did and that everything looked fine. This was back in XX/XX/XXXX. It's XX/XX/XXXXnow and they have been taking the {$25.00} from my bank account as I agreed, but it's reflecting nothing on my balance? )
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America  Charged OFF  my credit card account on  XXXX   XXXX ,  XXXX  after I had negotiated a settlement. Bank of america Continues to Report the account delinquent on my credit repo rts 7 +  Years after I settled this account for less than full balance.Bank of America Refuses to discuss this account and referred me to  XXXX   XXXX . After Contacting  XXXX   XXXX  I was advised that they had referred this account to an attorney in  XXXX   XXXX   (  6 years and 11 months after the initial charge off ). The Attorney returned the account to  XXXX   XXXX  and  XXXX   XXXX  has No knowledge of the status but they will reassign the account to someone else in the n ext 5  to 10 days. Bank of America Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was  XXXX   XXXX  We attempted to resolve this account years ago but B of A was Not interested.     The Original dispute Involved B of A Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.AMERICAN EXPRESS XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX Account # : XXXX I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested.

I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report.

If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it. 
Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). 

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

If I don't get proper documentation I will be filing my complaint at : XXXX and XXXX And https : XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Since XXXX a hacker entered my account in Bank of America and stole my identity and cloned my debit card the hacker made various purchases through a company named XXXX with XXXX and I explained to the bank that my account got hacked and they sent me a new debit card and I didn't authorize any purchases and the bank argue that I authorized 2 transactions for on XX/XX/XXXX but I wasn't me also my phone got hacked as well. We made 1 claim with the bank, and they refused to settle the claim and refused a reconsideration. Also, we sent an email of the evidence and mailed the pictures of everything that Bank of America sent to my phone. They closed the claim and refused to pay us the amount of {$7600.00}. They haven't sent proof of the transaction that I supposedly approved. I told them that it was the hacker who authorized the transaction and not me. The bank also told us that it was 26 transactions made from XXXX and I didn't authorize any of them. I never received any notification of any fraudulent activity and I felt unhappy with how the bank escalated this matter. Also, I don't feel secure using them in the future. They didn't protect me as a customer.
Product: Checking or savings account

On XX/XX/XXXX I got a notification email stating that a payment was returned and I freaked out and login into my Discover online banking and notice there were many unauthorized transactions that were charged on my account. I called Discover immediately and reported fraud against the following merchants : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies seems to be related to virtual online currency and I have 0 relations with them and somehow they managed to debt out of my discover account over {$120000.00} USD. 
Today I contacted Discover and they said my claim was denied because I did not provide proof of the transactions being fraud. I have now filled for a police report, file also with the consumer financial protection bureau, and also received a response from XXXX XXXX confirming that an unknown individual outside of my country, with different IP managed to sign up on that website, used my bank and did many fraud transactions on their website. 
I am asking Discover to please give me my money back as this should be more than enough proof for them to investigate and recover my money back thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt from XXXX XXXX XXXX listed on my credit report that I have disputed to get removed as collector is unable to provide proof of validation. The ladies that answered the phone at this office was very rude to my sister when I authorized her to handle the situation due to me being ill. If XXXX XXXX XXXX can not provide the following validation below ; this debt needs to be removed from my credit report : **Provide an explanation of what this alleged account is for. 

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

**Documentation showing I agreed to pay this alleged debt. 

**The Agreement that grants XXXX XXXX XXXX the authority to collect on this alleged debt. 

**A copy of XXXX XXXX XXXX state license ; including license number.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate student loans showing on my credit report, and I believe it is essential to address these issues promptly. 
I request that you immediately delete and block all the student loans from my credit report. This incorrect information is damaging my credit score and impacting my ability to obtain credit at favorable rates.

Please note that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). I have the right to accurate information on my credit report and to dispute any inaccuracies.

I urge you to investigate this matter thoroughly and expeditiously, and to notify me of your decision within 30 days as required by the FCRA. 

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

My credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) were compromised and none of the charges were mine. The credit card company will not accept my dispute. They refuse to provide verification of charges, so they wont remove the negative remarks on my report.
Product: Credit card or prepaid card

My name is XXXX XXXX. I am filing my complaint voluntarily and independently of any third parties or agencies. Please see my full complaint and request in the documents that are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few months, I have submitted several disputes to the major credit reporting agencies, Experian, XXXX, XXXX and XXXX concerning adverse accounts on my credit reports. Under the FCRA, these institutions are responsible to do a thorough investigation and must verify these accounts with the original signed instrument or documentation within 30 days of officially receiving my dispute. If they can not properly verify these accounts per the FCRA rules, they must be deleted from my credit report. 

Throughout this process, I have not been given proper verification from any of these companies concerning these adverse accounts. Just recently, XXXX received my dispute on XX/XX/XXXX, yet on XX/XX/XXXX, they had concluded that they were finished with the investigation, stating that they verified the account in question with XXXX. XXXX does not have any original documentation, and I was presented with any original documentation as proof of my liability from XXXX. 

I want to file a formal dispute against Experian, XXXX, XXXX   and XXXX, as they are violating my rights as a consumer to be given proof of verification, and they are not following the rules under the FCRA. 

I am disputing 3 accounts : Bankruptcy Chapter XXXX Discharged XXXX XXXX XXXX XXXX XXXX XXXX These accounts have not been verified per the FCRA and must be deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

In 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 in to be removed.

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 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting a formal complaint against the credit reporting agencies Equifax, TransUnion, and Experian for persistent and egregious violations of the Fair Credit Reporting Act ( FCRA ). These agencies have failed to fulfill their legal obligations, causing me years of financial hardship, reputational damage, and emotional distress.

FCRA Violations Committed by All Three Bureaus 1. 1681e ( b ) Reporting of Inaccurate Information - Inaccurate and contradictory payment histories and account statuses.

- Student loans appearing on my report without my consentthese must be removed. 
- Contradictory data between bureaus for the same accounts ( e.g., XXXX XXXX XXXX, XXXX XXXX ). 

2. 1681i ( a ) Failure to Properly Investigate Disputes - Disputes were dismissed prematurely or marked subscriber disagrees without proper reinvestigation.

3. 1681i ( a ) ( 5 ) ( B ) Reappearance of Previously Deleted Items - Disputed accounts were reinserted without required notice or certification from data furnishers.

4. 1681s-2 ( a ) ( 3 ) Failure to Flag Items as Disputed - Certain tradelines were not marked appropriately as disputed by consumer, misleading third parties.

5. 1681m ( a ) Failure to Notify of Negative Reporting - No notice was provided when derogatory items were added to my file. 

Privacy & Security Breach I have reason to believe XXXX XXXX or related parties accessed my personal data without authorization. I request immediate security/fraud alerts be placed on all three credit files.
Product: Checking or savings account

Date : XX/XX/year> - XXXX XXXX  Amount : {$170.00} Action taken by me : Called Wells Fargo to inquire about unauthorized transaction from ATM Action taken by Wells Fargo : None
Product: Bank account or service

My bank account is at Citizens Bank. I reside in XXXX. I have had this account for XXXX years. At first I might show an overdraft at the beginning of the year when my health deductibles had not been satisfied. Each time I was charged {$35.00} to {$37.00} dollars overdraft. I had my debit card management changed so that the transactions world not go through if there were insufficient funds as I was unable to tell what the bank was doing. My paycheck is electronically transferred over night on Thursday to Friday. I had my mortgage payment bill pay set to go out the day I got paid for years and never had a problem. Last year I decided to link my savings account to the checking account to decrease the overdraft amount from $ XXXX to {$6.00} to ovoid the XXXX quarter phenomenon. Well, I began to bounce checks on a regular basis including the mortgage payment which I knew was traditionally paid on payday. I called the bank and got some story about the items being entered as they come in and the payment must have been entered first. Recently, I paid a painter {$400.00}. I told him the check will be good the next day on Friday after I get paid. Citizens bounced the check and something like that had never occurred prior to hooking the savings account to the checking. I have a long history of accounts at XXXX, XXXX XXXX and an XXXX XXXX XXXX and never bounced checks because of careful planning. I am unable to plan payments anymore at Citizen 's bank nor am I able to track what the Bank is doing because my web access does not show that. Thus, they are enabled to shift income and payments to overdraft my account. For hard working, responsible individuals, such as myself, this makes it impossible to manage a budget and it smacks of thievery on Citizens Bank 's part. Can you assist?