23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I sent out a certified letter to Midland Credit Management which was recieved by their office on XX/XX/XXXX notifying them of an inaccuracy on my credit report their response to me they sent my letter & all my documents back to me thats it no letter explaining why. I attached all my supporting documents showing where they are reporting to XXXX & XXXX a reporting date of XX/XX/XXXX & a report date of XXXX for XXXX I have a letter from Midland stating that Midland became the servicer of this account on XX/XX/XXXX so reporting a date of XX/XX/XXXX is in violation of the FCRA which states : " The FCRA is the act that regulates the collection if credit information and access to your credit report. It was passed in XX/XX/XXXX to ensure fairness, Accuracy and privacy of the personal information contained in the files of the credit reporting agencies I did offer a settlement with them due to the inaccuracy to clear this matter up since its ruining my credit reputation & have it removed but they gave no response just sent my info back to me
Product: Credit card or prepaid card

I have had Citi double cash credit card. I have closed the account when I had - {$120.00} balance. I had asked them to send me the {$120.00} as check and close the account. They have agreed and promised me to send me the check in 2 weeks or 10 business days. I have not received the check after 2 months. I have called them again and they said they have sent the check but I never received it. At this time, they said that my dispute with a particular charge was returned and found me liable for {$39.00}. I have agreed to pay that amount once I receive the {$120.00} check. They have put a note to the account that " I will pay the {$39.00} once I receive the {$120.00} check ''. They promised to re-issue the check and send it to me saying that I should receive it in 2 weeks. After another 2 weeks, there were still no check received. I have called them once again and asked them to speak with a supervisor. They have given me an " account manager '' who told me that they will re-issue the check 1 more time and she claim that she could see the previous issued check number in front of her. I told her that it does not help me if I don't have the check. Now, the balance due jumped from {$39.00} to {$70.00} due to unpaid balance even though they put a note to the account that I would pay the balance once I receive the check. I also offered them to deduct the {$39.00} from the {$120.00} check and send me the rest. 

The reason I wanted to close the account is because they keep declining my charges and can not even verify my information making me jump through hoops every time. 

Please stay away from CITI altogether as I will never ever will have anything to do with them anymore nor I will have anyone of my family or friends do anything with them. This is absolutely ridicules and I will never pay that {$39.00} if I don't receive the check. If things gets even worst, I will go to distance and open a court case with them.
Product: Mortgage

My mortgage servicer, Ocwen, has flagged my account for the next six months as to only accepting payment in certified funds. This action was due to XXXX insufficient funds transactions within the last six months. No warning was issued or notification of this policy given. Speaking with their customer service is unnecessarily burdensome with multiple account verification at each step, so much so as to suggest a deterrent and not professionalism. I 've been contacted at work numerous times to the point where I requested a note be put on the account for contact after XXXX. Speaking with an " escalation manager '' only resulted in additional frustration. After missing his return call due to being on another line I was unable to reach him that night after numerous attempts. A week later he got back with me and although he called me at my listed phone number he insisted on account verification and was unwilling to shorten the process even after I had identified myself. I do n't consider that customer service, the cumbersome and repeated verifications within their system forces a 10 minute call into 20 minutes. Their policies discourage contact, they institute them without warnings and attempt to harass with phone calls at strategic intervals.
Product: Credit reporting or other personal consumer reports

I am a filing a complaint against equifax for failing to properly investigate my disputes with inaccuracies in my credit report. Despite my submissions equifax consistently reported under 24 hours no changes to my report. This practice violates the fair credit reporting act. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to the false and unverified late payments being reported on my credit file, I have been denied credit, higher limits, and financial opportunities. 

This violates 15 U.S.C. 1681o, which allows consumers to seek damages for negligent reporting of inaccurate credit information.

If these unverified late payments are not immediately deleted, I will be pursuing legal action for financial harm caused by their negligence.

Violations Committed by the Credit Bureaus : 15 U.S.C. 1681o Consumers have the right to seek damages for inaccurate reporting.

15 U.S.C. 1681i ( a ) Credit bureaus must verify or delete, yet they continue to report inaccurate data.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. 
XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX : {$26.00} & XXXX XXXX XXXX XXXX XXXX  : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXXXX/XX/XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 4. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I dispute a account with Experian on the XXXX of XXXX because this account is fraud and its not mines. So I got result today saying this account is mines from the creditors I dont think Experian investigate the account properly they just going by what the creditors say. So today I look on my credit report there is a address that not mines that is showing XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ca. i never stay anywhere in California I stay in XXXX Al all my life so I went to my Experian credit report try to see how the address got on my credit report and I found out this fraudulent address is Connected to the Two XXXX accounts that showing on my credit report that I recently dispute so I call experian I spoke to somebody and fraud and the lady that I talk to her name is XXXX and I explain to her about the fraudulent address and the account thats on my credit report and she stated to me that I need to send them a copy of a FTC report and a copy of my id and mention in the FTC report about the address and those two XXXX XXXX XXXX account so today I created my documentation I also to that Experian agent that I will send a copy of my FTC report and a Copy if my lease and utility bill to prove that account is not mines including the address please remove this account from my credit report because I fill like thats a law suit yall did not investigate them two accounts that I dispute as fraud correctly because for one I just dispute it 4 days ago and them results came back quick saying this account is mines I just got my result today XX/XX/2023 aint no way they came back that quick. Than yall listed a California address thats not mines please removed these account or I will have to get my lawyer involved
Product: Mortgage

Select Portfolio Servicing bought my loan from XXXX XXXX on XX/XX/XXXX. I experienced extremely poor customer service such as receiving conflicting information on multiple occasions due to questionable processes SPS had set up. For example, without a request from me or a bill from my insurance company, SPS used funds from my escrow account to pay the insurance when my insurance was already fully paid until XX/XX/XXXX. Seeing that SPS processes are bizarre and unpredictable, I closed my escrow account with SPS and was told by SPS that a refund check in the amount of {$11000.00} was mailed to me ( regular mail ) on XX/XX/XXXX. Today is exactly 4 weeks and I still have not received the check to pay property taxes and insurance on my own. I did my part and informed SPS weekly over the past month that I had not received the check. I was told by an SPS supervisor that she requested reissuance of the check but the process of ensuring the prior check had not been cashed and issuing the new check is 30 days. How in the world does reissuing a check take 30 days? 
So I had waited 30 days for a check, and supposedly now have to wait another 30 days for the new check to be issued. And SPS insists that they send out refund checks by regular mail. And I was told to my face that, God forbids, if the next check does not come, I have to wait a full 30 days BEFORE I can request issuance of a third check. Theoretically, if I even receive the check at all at the end of that process, that's a full 90 days just because SPS does not want to spend an extra XXXX cents to buy a tracking number when mailing out a large check. I believe the regulation says that I have the right to receive my refund within 30 days after closing the escrow account. It appears that once the initial 30 days has passed, SPS has the duty to expedite and re-issue the check to me, after checking that the initial check has not been cashed ( which should not take more than 1-2 business days in this electronic age ). Kindly help me get my escrow refund money!!! XXXX XXXX dollars plus is a lot of money that SPS is insisting on keeping and in the meantime, creates bizarre deceptive processes.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Transform Credit IncXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Transform Credit I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

KS DCFS CSS/CHILD SUPPORT ENFORC Account Info Account number XX Account status Closed Date opened XX/XX/1995 This account is showing a status of of opened/closed/collection. This is account is passed the 7 years mark to be on file and this account is not mine. The credit beaus has not verified this information. I have also contacted the courts and they told me they do not verify this type of account. This account need to be deleted from my report immediately. All information was mailed XXXX and i have the tracking numbers.
Product: Mortgage

I pay for my insurances separately. This includes the TX windstorm and Homeowners insurance. 

I have payment plans set up with both insurances and don't with to escrow my payments. I want to keep them both seperate. 

My insurance agent supplied the new policies to Rocket Mortgage two days ago. Today I receive a notice that Rocket Mortgage disbursed the full annual payment of {$1000.00} to TX Windstorm insurance without my approval. They have a copy of the policies and yet without inquiring, disbursed funds from the escrow account to the Insurance company. This results in an overpayment to Texas Windstorm insurance. I have twelve payments set up with TX Windstorm insurance and have already placed a {$150.00} downpayment with them. 

I feel that Rocket Mortgage is grossly mishandling my account. I've already requested I don't want escrows with them. They disburse to the insurance agencies without my consent. I find this unacceptable and this needs to stop immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was scammed into sending {$100.00} via XXXX to a fraudulent moving company who used fraudulent credentials and deceptive communication to induce me to send a payment. When I realized this, I contacted Chase Bank on XX/XX/XXXX to dispute the transaction, but they only treated it as a courtesy check by contacting the recipients bank. 

A week later, on XX/XX/XXXX, I followed up and was told my dispute was denied. I requested a formal explanation of why the bank did not apply Regulation E to my claim. The bank refused to provide a written explanation and instead insisted verbally that Regulation E does not apply to XXXX. They also falsely claimed that XXXX terms and conditions override federal protections. 

Additionally, my bank dismissed any responsibility to attempt recovery from the recipients ACH account, which is held at the same bank. Meanwhile, this scam operation continues to defraud others, as evidenced by multiple recent complaints online, further underscoring the need for proper action.
Product: Mortgage

In XX/XX/year> Amerihome mortgage company stated they accidentally sent a check from my escrow account to an unknown insurance company as an attempt to pay my home insurance. It wasn't my insurance company so my insurance company canceled my insurance due to none payment. Amerihome told me they would refund my money into my escrow. Amerihome then proceeds to perform an escrow analysis on my mortgage without refunding the money to the escrow so my mortgage went up from XXXX to almost XXXX. Then Amerihome quickly sold my mortgage to another mortgage company and still has not refunded my money to my escrow. I am making a big deal because I can not afford XXXX a month due to someone else 's error. I am a mother of XXXX children and it is close to the holidays. Amerihome is still saying when they get the check back they will refund to my escrow but how is that fair when my mortgage increased significantly due to this. Please help
Product: Credit card or prepaid card

I was charged a late fee of {$29.00} even though I made the minimum payment due. The statement printed on XXXX with a minimum payment of {$29.00}. I made a payment of {$25.00} on XXXX and another {$25.00} on XX/XX/18 for a total of {$50.00}. The customer service agent told me that payments made on the statement date will not count towards the minimum payment due. I dont see how that is a fair practice for me as the consumer when the payment made XXXX was not reflected in the statement printed on XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Dear XXXX XXXXXXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : unsubstantiated Amount Charged Off : unsubstantiated I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the information to my mailing address : XXXX XXXX XXXX, XXXX, PA XXXX. 

Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. 

Thank you for your attention to this matter. I look forward to your prompt response. 



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

I have spoken to customer service five times - all recorded where they promised to remove the membership fee from my account that I cancelled in XXXX. It is now and my credit report is affected by an overdue account that was promised to me to be cancelled and XXXX  balance - five times. The last call in XXXX, an operator assured me that a complaint/investigation was being filed regarding my issue. I have heard nothing since, and my credit score had dropped severely due to a 90 days late notice. I have never experienced such a complete disregard for promises made to a customer- so many times.
Product: Debt collection

I keep receiving phone calls from XXXX but they never leave a message. When I called back I was transferred to XXXX. She stated I owed them for XXXX XXXX XXXX. I asked her for proof of the debt and she stated " we sent you a letter telling you what you owe ''. I advised her that I have a legal right to see proof of the debt, not just a letter. She became angry and said " fine, you'll get it '' and then hung up. I called back and asked to speak to a manager and was transferred to XXXX. She asked what the problem was and I explained to her and she stated " Yeah, I know, I listed to the call so what do you want ''. I said I want actual proof of the debt, something where I signed stating I would be responsible for the debt, actual itemized statements with dates of service etc. She verified my mailing address and then stated " I'll send it to you but we are putting this on your credit ''. I advised I would be reporting their behavior and she said " oh, ok. well, I'll note your file. They never asked me any identifying information nor did they provide any identifying information during the call without my asking.
Product: Bank account or service

I signed up for a business account with CITI bank and I was informed that monthly fee of {$19.00} would be waived if I signed up for XXXX device, XXXX XXXX. I met with XXXX XXXX representative and he signed me up for their services and never mentioned that there would be any monthly fee for their services. On XXXX/XXXX/2016 I found that my account was over drafted {$80.00}. As per CITI bank representative, I was charged {$32.00} by XXXX XXXX merchant, {$19.00} for the monthly CITI bank maintenance fee and {$35.00} overdraft fee. I should not be charged maintenance fee of {$19.00} by CITI bank, {$32.00} by XXXX was not authorized.
Product: Debt collection

Upon reviewing my credit report, I've noticed discrepancies and fraudulent activities associated with the following accounts.
Product: Checking or savings account

XXXX was taking from my account On XX/XX/2024 I dispute it with my bank they decline my request They did not provide to me enough information Why my claim was denied when I clearly tell them that wasnt me who authorized the transaction I tried to reach out to the company I cant get to them they bank refuse to do a proper investigation this is why I want to file a complaint against them Truist bank is the worst bank I have ever had they not refund me they refuse to investigate
Product: Money transfer, virtual currency, or money service

Loan care said they paid my escrow payment on XX/XX/2020. I called XXXX and they still do not have the money. The escrow was short XXXX so I paid that right then. I have called LoanCare and always keep getting hung up on after a long hold. They said they sent the check, it was sent to a incorrect address. The amount they sent to XXXX was {$1200.00}. LoanCare also told XXXX they would fax a copy of the check to them which LoanCare has not. XXXX calls LoanCare and is on hold and gets hung up on as well. I have called and called I have asked the 2 companies to work together to get this resolved and nothing. I do not want my rental home owner 's cancelled since LoanCare and XXXX are not playing well. Please see if you can assist. Thank you so much. I will attach the Loan Care note saying it was sent and 2 bills from XXXX and my notes. Please reach out if you have any questions. Thank you. XXXX XXXX House is on XXXX XXXX XXXX. XXXX XXXX OH XXXX. My phone number is XXXX.
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their XXXX high yield interest savings accounts. Capital one misrepresented the XXXX savings account as having one of the nations highest interest rates, yet failed to notified account holders about the superior rates offered by the XXXX performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act, and the truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertise promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies, have XXXX XXXX an XXXX listed on my credit reports. They are the same accounts, with same account numbers and amounts. I have tried on several occasions, I disputed the entries and have the items corrected with no success. 

On XXXX, my XXXX accounts are closed and wit no late payments. However, on Equifax, the accounts are showing the opposite, that payments are still due. 

Please assist an/or advise how to rectify this situation. It is really disabling me from securing a home or other needed items for me and my family.