23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX I had difficulty applying for the XXXX Citibank credit card because their online system required a first and last name. After speaking with Citibank 's customer service team on the phone and getting nowhere, I spoke with XXXX 's customer service team who then called Citibank 's customer service team on my behalf to inquire how to assist me. The Citibank agent advised it would be best to split my name online and if approved, I could then request my name be corrected after I receive the card. 
XXXX XX/XX/XXXX, I sent a letter along with a copy of my Texas Driver 's License and a copy of my Social Security card to Citibank requesting my name be corrected to reflect what it is legally. 
I received a response from Citibank XXXX XX/XX/XXXX stating they were unable to process my name change request as I needed to provide a first name or first initial along with a last name. 
XXXX XX/XX/XXXX I wrote another letter and sent again a copy of my Texas Driver 's License and a copy of my Social Security Card along with a copy of their response dated XXXX XXXX. In this letter I advised I am providing proof of what my legal name is. There is no first initial nor first and last name. In addition, I highlighted what I was advised when speaking with Citibank 's customer service the day I was applying for the card, that my name on the credit card had to match what was reflected on the XXXX XXXX XXXX, and therefore, since my XXXX XXXX XXXX XXXX reflects my name correctly, I request Citibank do so as well. 
XXXX XX/XX/XXXX, I received a response from Citibank : 'Please be informed that changing the name on the account to a one word name is unacceptable '. 

What is unacceptable is a publicly traded company 's inability to accept a person having a mononym and accommodating said person 's request to have their name reflected legally correct on their form of payment supplied by said company.
Product: Mortgage

XXXX connected me to Quicken Loans after I completed a questionnaire for an Equity Line of Credit. Their system referred me to Quicken Loans in which the latter info page fraudulently states : " Dear XXXX, Good news - You could get as much as {$90000.00} from your home by drawing from the value of your home 's equity. 
A Home Equity Line of Credit is a revolving loan that's tied to a bank account or credit card. The cash is there for you to use when you need it. If you use it to increase the value of your home through repairs or upgrades, it can become a valuable long-term wealth-building tool. 
Here 's what you can expect : Our Partner [ s ] listed above will soon be calling or emailing you in order to give you the expertise and guidance you deserve. Just answer their calls / emails or respond back on your own terms and they will help walk you through the process. You will be on your way to getting money in no time! '' Quicken Loans mortgage agent attempted to entice me to a cash-out refinance and told me Quicken Loans DOES NOT provide equity lines/HELOC.

In closing, five XXXX course provider experts in the education department " wrote the book '' on mortgages, and how important it is not to mislead the public. Quicken Loans continues with their shananigans and I am willing to provide a sworn affadavit. I hold a XXXX  XXXX ( XXXX XXXX ) and will be a solid expert witness should the need arise. Thank you.
Product: Debt collection

This is the second complaint filed with CFPB against Ally Financial for call harassment. Ally Financial still calls to harass me by placing the calls to my phone numbers constantly since the year of XXXX. These calls are meant for another person with whom I have no association. These calls are for debt collection for automobile loan that I have no association with Ally Financial. On or around XX/XX/XXXX in the nighttime, Ally Financial damaged my phone device by awakening me from sound sleep to its call. I stumbled as reaching for my phone device thinking it was an urgent call and it fell off the table and hit the floor broken. My phone device is a special equipment for the deaf that takes or makes TTY calls. I was without this phone device for three weeks which was agonizing me. 
On many occasions during call harassments, I notified Ally Financial of the wrong numbers and call harassments must be stopped by speaking the representatives, sending certified mail, and entering the information on Ally Financials automated system. Most recently, on XX/XX/XXXX I spoke with a representative of Ally Financial at XXXX and her name is XXXX. I informed her of the wrong numbers and requested that calls be stopped. Unfortunately, Ally Financial never cease calling to my phone numbers afterward. 


Ally Financial places multiple calls from different numbers which makes it difficult for me to block the calls each month. Ally Financial manages to reach my phone numbers by using many different numbers as following : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX These calls made by Ally Financial to my phone numbers are ongoing call harassment as far back as the beginning XXXX. The calls come in 4 or 5 times per day. Even three calls within 1 minutes. Most of the calls were either prerecorded messages or robocalls. In addition, I receive multiple voicemails left to my phone numbers from Ally Financial. 
The voicemails would often state : This is Ally Financial XXXX Inc. calling for XXXX (? ) XXXX. Please call us at XXXX as soon as possible. Again, our numbers are XXXX XXXX OR Message for XXXX (? ) XXXX my name is XXXX calling from the office Of Ally. It is important for you to call back today at XXXX. We are Open from Mondays to Sundays XXXX XXXX to XXXX XXXX Eastern Standard Time. 

My efforts of stopping the call harassment were of no avail now that It has been over 5 years, Ally Financial viciously calls to harass me knowing that they got the wrong numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A State 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
Product: Mortgage

On XX/XX/2022 we closed on a XXXX with Truist Bank. We were advised that the promo rate of 3.3 % was locked for 1 year and a copy is enclosed. We took a draw of {$85000.00} on XX/XX/2022. 

Since our draw our rate has increased as follows : In XXXX the rate was 4.05 % XXXX 4.80 % XXXX 5.55 % These increases were done with no written notice. Since then we have received two written notices of increase to 6.80 % and 7.050 %. Copies of these increases are enclosed.

At no time during the application was there a mention of a rate increase during the first year. We were only told what the rate would be after 1 year. We were also talking at this time with XXXX XXXX XXXX  which had a promo twelve month rate of 3 %. We certainly wouldn't have closed with the Truist Bank if it wasn't a twelve month locked in rate. 

We have called Truist Bank on several occasions and gone to the original bank and another branch to rectify this problem. We haven't had any success.
Product: Payday loan, title loan, or personal loan

Applied onlin e at AdvanceAmerica   XXXX / XXXX / 2017  Approved - ema il stated Voice call w ould be necessary to complete transaction Did not accept voice calls Received Email stating Funds were to be deposited on  XXXX / XXXX / 2017  Funds NOT deposited however I still maintain an outstanding bill Emailed company back - have had no response, yet account still shows open ( simple call to be the bank and they could verify funds WERE NOT deposited )
Product: Credit card or prepaid card

On XX/XX/2022, Refunds Solutions XXXX working for XXXX XXXX sent me a refund for XXXX tickets purchased just before COVID shutdown. 

XXXX XXXX refunds, {$140.00} x XXXX = {$440.00} total. 

It said wait XXXX statement cycles to see the credit. In XXXX I still did not see so i called Wells Fargo. My credit card is a Wells Fargo Card. They did some research and could not find the refund and suggested waiting longer. Then XXXX i called again to submit a claim with Wells Fargo. I spent an hour on the phone with them and thought my claim was submitted. Then XXXX weeks later i still didn't hear anything and called Wells Fargo again. There was no claim initiated as they said and they still couldn't find the money. They said i needed to work with the airline. I contacted the airline again and they said Wells Fargo has the money. 

I called Wells Fargo yet again and they said there was nothing they can do. 

I have no idea how to get my money back and who has it. But was very surprised that wells supervisor didn't " see this as an issue and would not help me. 

I emailed the airline again and they said they can not help. 

The airline is refunding back to the original credit card I used from Wells Fargo. Because of XXXX, wells changed my account number. So this is likely why the money is missing. 

I would like my money back and no idea how to get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate and fraudulent public records has been reporting under my name, this is a 100 % inaccurate information reporting under my name, i will be attaching my documents such as police report and the FTC report provided to both transunion and the XXXX credit reporting agency. please you are my last hope in order to have these inaccurate information be removed from my credit file. i need to rent a place and because of this inaccuracy no one is helping me, the customer service for both has been disaster and none helpful. please i need you r help in this matter thanks
Product: Checking or savings account

I was having many problems with citi bank. My debt card always locking and not being able to access my account with my personal information. Every time I give them personal information they tell me it's not correct, but it is. I eventually closed my account because of this. Today XX/XX/year> I was told by the state I needed proof of this account being closed to keep my health insurance. I called citi bank with my name, social security number, and bank account number, and again they would not give me the information I requested.
Product: Credit reporting or other personal consumer reports

Experian refuses to correct my consumer report to reflect my accurate home address, after several attempts and requests. Furthermore, they do not provide the means to request the removal of incorrect home addresses on their website. They use certain verbiage and only provide a few pre-selected options on their website which do not include the simple request to remove an incorrect or outdate home address that does not match the home address that is on my driver 's license. I can not receive any mail or documents at the incorrect address that they have listed on my consumer report, which also puts my information in danger when it comes to ID Theft. And I did provide them with a copy of my driver 's license several times. They're being incredibly deceptive and sneaky with this type of request. 15 U.S. Code 1681
Product: Credit reporting or other personal consumer reports

LEXIS NEXIS did not send the free annual reports I had previously requested in numerous complaints on the CFPB Complaint platform. I received blank pages. ( see picture ) I want paper versions for the following years mailed to my home. XXXX. 

SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Mortgage

The Loan Estimate ( Good Faith Estimate ) disclosed estimated property taxes for the LENDER ESTABLISHED escrow period to be collected at Settlement of the loan. 
The GFE- LOAN ESTIMATE - disclosed 10 months {$350.00} a month would be collected at Settlement on the HUD 1 ( {$3500.00} ) Closing Discclosure for XXXX property taxes. 
12 CFR 3500.17 ( c ) ) ii ) affirms property taxes may be collected from the date the property taxes were last paid until the date of the first payment for the escrow account for the escrow period. XXXX was the date established by the lender as the first month for the escrow period. Per Regulations, the lender was allowed to estimate for the GFE and collect on the Closing Disclosure ( HUD-1 ) charges from when the property taxes were last paid ( XX/XX/XXXX ) until the month of the first payment into the escrow account in the established esrow period by the lender-XXXX .XXXX TEN ( 10 ) MONTHS FOR XXXX PROPERTY TAXES ; XXXX XXXX XXXX The estimated property taxes for XXXX were XXXX..XXXX and paid by the lender as {$320.00} per Texas Property Tax Code 28.01. 
Should have disclosed 10 months @ {$26.00} per month for XXXX property taxes- {$260.00} for the GFE and the HUD-1 to be collected at Closing. 

Why was the lender allowed to collect on the CLOSING DISCLOSURE- ( HUD-1 ) an EXCESSIVE amount of XXXX property taxes. HUD-1 ( Closing Disclosure ) the lender disclosed {$1500.00} was collected at Closing- Disclosed as {$3500.00} on the GFE Loan Estimate and {$1500.00} on the Closing Disclosure- HUD-1. 

WHY the unreasonable difference on DISCLOSED loan documents? 
Each amount disclosed was not accurate by facts from the XXXX XXXX. 

WHY was the lender allowed to NOT DISCLOSE XXXX property taxes on the Loan Estimate or on the CLOSING DISCLOSURE. TO THEN REQUIRE UNREASONABLE INSUFFICIENT DEPOSTS TO DISBURSE INACCURATE PROPERTY TAX CHARGES FOR XXXX NOT DISCLOSED ON THE LOAN ESTIMATE OR CLOSING DISCLOSURE? 

12 CFR 1024.38 ( 11 ) requires WRITTEN EXPLANATIONS AND CORRECTIONS FOR ERRORS DESCRIBED in the Error Notices ( QWR ) submitted XX/XX/XXXX and XX/XX/XXXX within time restrictions of SUBMITTING QUESTIONS REGARDING THE LOAN SERVICING, WHICH HAVE NOT BEEN, WERE NOT ANSWERED BY THE LENDER/SERVICER IN A LETTER FROM XXXX XXXX, WHO WAS NOT THE LENDER OR SERVICER OF THE LOAN. 

WHERE ARE THE FINANCIAL PENALTIES, FINES, CORRECTIONS FOR THE INVALID NOTE AND SERVICING ERRORS IN THE NOTE BY THE CFPB to be assessed by the Bureau? 

Where are my WRITTEN COMPLETE AND CORRECT ANSWERS to THE QUESTIONS IN THE QWR 'S REGARDING AGGREGATE ACCOUNTING ERRORS AND DOCUMENT COMPLETION ERRORS AND ALL OTHER FINANCIAL COMPUTER ERRORS FOUND IN THE INVESTIGATION BY THE LENDER OR REGULATORS AS AFFIRMED IN 12 CFR 1024.35 ( b ) ( 11 ) Evidence of receipt of the Error Notices ( QWR ) by the servicer in the time period has been provided but is available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the app XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So, I decided to pull my report and I noticed several accounts that are not mine. XXXX XXXXXXXX {$11000.00} XXXX XXXXXXXX {$900.00} XXXX XXXX XXXX {$33000.00} XXXX  XXXX {$88000.00} XXXX XXXXXXXX {$21000.00} XXXX XXXXXXXX {$320.00}
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i would like for this to be deleted off my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), there is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to ensure my private information isn't shared, as backed by 15 USC 6801, which states that financial institutions have an obligation to respect customer privacy. AmeriFirst Home Improvement is a financial institution under that title. 15 USC 1681 section 604 ( a ) ( 2 ) states that consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. AmeriFirst Home Improvement, XXXX, and XXXX do not have my consent to furnish this information, nor do they have my written consent. Any and all consent to AmeriFirst Home Improvement, XXXX, and XXXX, whether verbal, non-verbal, written, implied, or otherwise, is revoked. Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. AmeriFirst Home Improvement never informed me of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in a report without authorization. This account is an adverse item being reported without my permission, which is unlawful. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that a person shall not furnish inaccurate information to a consumer reporting agency, and 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX and XXXX are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 allows consumers to opt out at any time. Therefore, I am opting out of AmeriFirst Home Improvement 's reporting services.
Product: Credit reporting

My daughter XXXX XXXX is being listed as my spouse on my credit report. She is my daughter and not my spouse.
Product: Debt collection

Portfolio Recovery Associates has not responded to the Affidavit of Truth that I mailed off to them on XX/XX/. An affidavit stands as truth in commerce when unrebutted. PRA will not even acknowledge that I sent one to them in which I know they won't attempt to answer it because they will be liable if they did in fact lie. This will be used against them if I have to take legal action against them. I have provided proof with receipts that I will attach. PRA is not even licensed to collect in Tennessee. I never did business with any business in XXXX Virginia. I never signed any contractual agreement with Portfolio Recovery Associates. They have no business using my name as a natural living breathing person. This debt does not belong to me. Portfolio Recovery Associates made a false statement saying they have no record of a request from me prior to their initial communication. I have receipts and proof that the statement they made is a false one. Portfolio Recovery Associates did not answer the questions within my Debt Validation Letter that I drafted and sent to them on XX/XX/. They received that letter on XX/XX/. They sent me statements AFTER I filed with the CFPB instead as if that response justifies them collecting the debt. Portfolio Recovery Associates is required as part of the debt validation period to cease all collection activities for 30 days. That includes removing the alleged account off of my credit reports while they are validating the alleged debt because it reflects that they are still collecting the debt in question in collections. They did not cease all collection activity. PRA has violated the Fair Debt Collection Practices Act. I have proof that the account was still posted even during the validation period.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention significant discrepancies and inaccuracies in the credit reporting information associated with my account. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i, I request immediate action to rectify these errors, as they are in violation of FCRA 15 USC 1681i ( 5 ) ( A ). 

Upon reviewing my credit report, I discovered inconsistencies and incomplete data pertaining to the following account : Account Number : [ XXXX ] Account Type : Installment Account Type Detail : Secured loan Bureau Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX : XXXX, Experian and XXXX : XXXX High Credit : {$1600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : XXXX : Late 30 Days, Experian and XXXX : Current Last Reported : XXXX and Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX Comments : Experian and XXXX : Closed or paid account/XXXX  balance, XXXX : XXXX The discrepancies between the reported number of months/terms and the payment status are particularly concerning. These inaccuracies not only misrepresent my credit history but also potentially harm my creditworthiness and financial standing. 

I demand that the aforementioned inaccuracies and inconsistencies be promptly investigated and corrected in accordance with FCRA regulations. Specifically, I request the deletion of any incomplete or inaccurate information as per FCRA 15 USC 1681i ( 5 ) ( A ). I urge you to take immediate action to ensure the integrity and accuracy of my credit report. 

Please provide written confirmation once the necessary corrections have been made. Failure to comply with this request within the timeframe mandated by FCRA regulations will result in further action, including legal recourse if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX