23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have provided this information to BSI Financial Services, the mortgage company, before many times on the phone and in emails. I have also provided letters from my bank explaining the problem and I have provided all information that BSI requested, including my relevant monthly bank statements showing that my wife and I tried to deposit BSI 's check 2 times early in XX/XX/year>2024 and that it was returned. The issue is that we had an escrow overpayment to our BSI mortgage account. BSI issued a paper check which we tried to deposit, and our bank, returned that check, " Returned Check Charge Back Item '' in XX/XX/year>2024. Our bank researched this issue and wrote a letter explaining which I forwarded to BSI along with my relevant back the latter requested by BSI. I have called multiple times and emailed multiple times. I received a reply through some XXXXrdparty ( who apparently received the reply by mistake, I have no idea the relation to BSI ) one time explaining to me that I could request a stop check and they would issue a replacement check and that they would help me do so. I requested this help that they issue a stop check and reissue a replacement via multiple emails and during calls with BSI and NOTHING happens. I have also requested that this issue be escaleated to BSI XXXX  XXXX  duirng a call and supposedly was transferred to a XXXX  voice message and I was told the XXXX would call me back, and in over 2 weeks since then and I have received no communicaiton back from BSI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX XXXX partial account number XXXX. ( Please see attached. ) All of the collection accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Product: Debt collection

In XXXX I purchased a vacant lot in XXXX XXXX, FL for purposes of investment. The purchase price was {$340000.00}. I made a down payment of {$82000.00} and received a mortgage of {$260000.00} from Fifth Third Bank. Initially my monthly payments were {$1600.00}. I had hoped to sell the property within a relatively short time. It was at this time that, due to severe storms and other factors, that property values in Florida were dropping sharply. As a result I continued to make the payments in the hope that values would rebound. 

In XXXX, XXXX Fifth Third Bank increased the payment amount to XXXX XXXX/month. At this time the country was experiencing a major financial crisis and property values XXXX were plummeting. I requested some relief and Fifth Third reduced my monthly payment to {$1000.00}. As the financial crisis deepened I approached Fifth Third seeking relief in the form of a short sale. In hindsight I am constantly regretting that I did not let the property go into foreclosure.

To summarize, a short sale was executed with the proceeds going to Fifth Third. I then, not being a sophisticated real estate investor, unwisely signed a promissory note for {$160000.00} with payments of $ XXXXmonth for 300 months beginning in XXXX, XXXX. At this time I was given verbal assurances that a lump sum payment ( at a greatly reduced amount ) could be made in the future to satisfy the agreement. I made the monthly payments faithfully for 10 years. During that time, as I was reviewing my documentation, I found a promissory note for another Fifth Third client which provided terms much more favorable than those provided to me. I contacted Fifth Third regarding this matter and was told that " each individual 's circumstances were different '' and that they would not be offering a revision of terms to me. At this time I asked about the possibility of a lump sum settlement. The " offer '' from Fifth Third was payment of the entire outstanding balance. Some deal! 

This brings us to XXXX XXXX at which time I was concerned about my family situation. My oldest daughter has a XXXX year old son who has a XXXX XXXX which will confine him to a wheelchair for the remainder of his life. My son-in-law was faced with the possibility of job and income loss and I wanted to be able to provide financial assistance. The {$530.00} monthly payments to Fifth Third amount to approximately 15 % of my income. I made a written request to Fifth Third for a modification of terms. Their response was negative. I have suspended payments and Fifth Third has referred the matter to a collection agency. 

I am XXXX years old, a Veteran and was XXXX  last year with XXXX. I will greatly appreciate any assistance from the Consumer Financial Protection Bureau. I can provide substantial documentation relative to this matter including a copy of the promissory note which provided far more favorable terms to another client..
Product: Credit card or prepaid card

I submitted 2 online payments to American Express from 2 different banks. One on XX/XX/XXXX for {$1000.00} from XXXX. One on XX/XX/XXXX for {$1000.00} from XXXX XXXX XXXX. I used the wrong bill in both situations and paid an account that had been closed. I intended to pay my XXXX XXXX but accidentally used the bill pay for the OLD XXXX card provider - American Express. Starting XX/XX/XXXX, I've called American Express multiple times only to be told, there is nothing they can do. I even offered to provide the detail XXXX XXXX provided showing information regarding the payments, routing number, account number etc... The only thing Amex does is transfer me to XXXX ( new XXXX card provider ). The money has been debited from both checking accounts and sent to American Express. XXXX confirmed American Express will not forward this type of payment. I've attached details regarding the XX/XX/XXXX transaction from XXXX XXXXXXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing a complaint with your office regarding an incorrect collection account on my credit file, I received notice from you and from the collection co ( XXXX XXXX XXXX ), I called Equifax and they refused to confirm for me that it was removed from my file. Your complaint number is XXXX. I spoke to two representatives with Equifax today, and both gave me the run around and refused to provide me the information I requested. They said I needed to send documents in to confirm my identity, even though I already sent in my drivers license, ss card, etc. at an earlier date. After I did that, that is when i found the incorrect account. I provided my current address, previous address, ss #, full name, and date of birth to them, and they still refused to simply confirm the removal of the illegal collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to show a late payment on a account XXXX XXXX XXXX XXXX XXXX which is a direct violation of FCRA USC 15 1681 permissable purposes. Date of the late payment is XX/XX/2021
Product: Debt collection

First off, their customer service is abhorrent! I have been trying to dispute this debt since I learned from other means that I had already been taken to court. I never received notification from these guys that they were serving me. I have checked with the courthouse and the physical description they have of me on file doesn't even match my actual physical description. I don't know who the blonde with perfect eye sight is but, it definitely isn't me. I was never notified of the debt to start because these accounts they list are a result of identity theft and after I have dealt with their customer service I understand why identity theft is so rampant in our country. I had over 5 different reps just provide me with the address on the account and ask that I confirm that it was my address. 1. Not my address. 2. How did you obtain the address since I never provided it to you. 3. How does your skip-tracing work? I only ever called or chatted from the address you have on file. I've never lived there. 

These guys grossly violate compliance with their skip-tracing program. I have to assume the reason why they have the address that they do is because they are violating my privacy rights by using cellphone location. It's the only way that address could've shown up because I have never lived there. 

These guys seem to have an awful lot of information about me without any documentation showing I've consented to any of what they've done. I believe these guys stole my identity at this point since they haven't been able to provide a single signature for any of the accounts they are collecting. 

These debts are invalid. They've not only stolen my identity ( hey, they have the information and nothing indicating consent from me ) but, now they're trying to steal from me further. They never notified me of these accounts properly or else they would have mail confirmation receipts. Anyone can type or copy and paste a letter then change the date so that it makes it look like they're compliant but, I know these guys never sent anything out since they're the ones that stole my identity.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I contacted XXXX XXXX to report inaccuracies in my personal information on my Consumer Report, specifically the incorrect spelling of my name and unassociated addresses. I requested documentation confirming the deletions once they were completed, but XXXX never responded. In XX/XX/XXXX, I called the XXXX call center and spoke with a representative who assured me that the additional names and addresses had been removed and that a new report reflecting the deletions would be sent to me, which I never received. In XX/XX/XXXX, I contacted the call center again, and the representative confirmed that only my correct name, mailing address and physical address was listed. He stated that if the incorrect information still appeared on my report, a tech ticket must be submitted to resolve the issue and that he was submitting that ticket. As of today, XX/XX/XXXX, my credit report continues to display incorrect names and addresses with which I have no association.
Product: Money transfer, virtual currency, or money service

At XXXX today, XX/XX/XXXX, I received an email from Western Union saying that my transfer of {$100.00} was successful from a XXXX  that is unfamiliar to me. The supposed transfer was to somewhere in XXXX. The email included my full name, number & previous address. I reached out to Western Union & they provide me with a case number. Ive never used Western Union for anything.
Product: Bank account or service

This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XX/XX/XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be awarded XXXX XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. XX/XX/XXXX, my husband called Citi to inquire about the status of XXXX points and was informed that we had met all the requirements and the claim had been setup while the process would take up to three months to complete. XX/XX/XXXX is the date we should call back for the final result. 
On XX/XX/XXXX, my husband called to follow up. After spending more than half an hour waiting and explaining, he ended up with a lady who said she needed to confirm some information with someone and would call him back in one hour. We waited and waited and waited ... 
After more than two hundred and forty hours of waiting, we knew nobody would call us back and realized it was a scam from first place. On XX/XX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XX/XX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. If that is true, why did citi post an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} AA points or refund me {$90.00} and apologize for wasting my time.
Product: Credit reporting, credit repair services, 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 XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : $ XXXX XXXX  XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$5200.00} ( XXXX XXXX  ) XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX XXXX Balance : $ XXXX
Product: Checking or savings account

Filed a claim with PNC bank and they did not properly investigate this claim my XXXX $ was stolen from my account and I they denied my claim twice I never authorized anyone to use my card or pin My card was stolen and I asked multiple times for them to check the ATM footage which they denied and never looked at the footage Ive also filed a police report They are also trying to blame me for the problem Instead of fixing the solution
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Experian to update or remove inaccurate information from my credit profile, and they have not did their due diligence in this process, meaning they are getting results back in less than a week, I feel like they are just using the XXXX XXXX   and not letting a human read and do the work. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question, I have asked for this information several times with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up to my complaint to remove these items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX Please remove the items above for they are erroneously placed or reported in my file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canno furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under are open end consumer credit plan as late for Purpose.
Product: Debt collection

I've contacted this company to get information on why my balance is so high. They haven't sent me any itemized bill showing why I owe them. I finished my lease at The XXXX at XXXX apartments. They only send me my lease when i ask them to verify the debt. These charges are outrages and I would like them to remove it from each credit bureau immediately, and stop all collections from here forward.
Product: Mortgage

Dear Consumer Financial Protection Bureau Team, On XXXX XXXX, I submitted an email to the NCUA, and they responded on XXXX XXXX 2023 I received an email that the information was forwarded to The CFPB, see attachment titled " XXXX & XXXX XXXX XXXX XXXXNCUA  Case Number XXXX XXXX XXXX XXXXXXXX ] ''. I called and spoke with a representative at the CFPB today ( XXXX XXXX 2023 ), but no record of my file could be located. I am uploading all information that was submitted to the NCUA as well as the letter they sent to me regarding the dispute. 

There are five separate complaints which are described in detail in the attachment titled " XXXXXXXX XXXX XXXX XXXX XXXX XXXX NCUA Consumer Assistance Forms dated XXXX XXXX 2023 ''. All additional attachments are referenced in this attachment as they correspond to each of the complaints submitted. 

Kind Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with several representatives and they used inconsistent information to challenge the facts I presented to them. Although it was a frustrating effort to get some clarity about the accounts. The representative hung up on me without providing accurate details as the information reported to my credit report and I am very disgusted with how everything turned out. The point is that this matter needs to be resolved quickly due to all the presenting facts I have that show that they are re-aging the accounts and they are in co hoots with the credit reporting agencies and they are stalling for these accounts to be removed. Attached is the recorded phone call. As well as my XXXX credit report to justify my rational call and dispute. It is now XXXX and the data reported contradicts itself. In fact while in contact with them, they mention the name XXXX XXXX XXXX, after several mentions of the account being in collections, this leads to believe that XXXX Dept of Education has sold the account to another party, and they are invoking the name of the government status to collect on this disputed debt.
Product: Credit card or prepaid card

I have filed a complaint already against Barclays, but realized there were many more details I did not include. This is for the Barclays Aviator rewards card. I had a boyfriend named XXXX XXXX who took my credit card and booked travel in my name and in his. I had no knowledge of it. He did it so he could travel on his own at my expense. The booking was also put in my name is so it did not seem suspicious to the bank. I had auto pay set up so I never even looked at the charges and knew nothing about it until several months later. I put all the charges in dispute with Barclays. It was successful but months later many creditors rebilled. Due to the Covid virus all the airlines were demanded to refund the tickets. This was after XX/XX/2020. Barclays would not repopen the disputes as they said it was already disputed. As mentioned the law took affect months after my dispute. I have called the bank on at least 30 occasions. This was to be submitted as FRAUD they would not put it in FRAUD as they said I knew the perpetrator. I called all the airlines and they said they already issued refunds.. Barclays is stating they never got refunds. I have never had so much stress in my life. I had to close down a XXXX line of credit as working with this bank has been the worst experience in my life. Please help me resolve this dispute with them.
Product: Debt collection

An account under " XXXX XXXX XXXX '' appeared on my credit report. To my knowledge I have received no correspondance from this company. I'm unaware of any debt in this amount and have received no information regarding the supposed debt. I would like this removed from my report until I have been properly contacted and notified of the debt. 

No contract, bill, statement or any such " communication '' has been sent on behalf of this debtor what so ever. I would like this erroneous information removed from my report, as it's hindering to my purchasing power and future credit opportunities.
Product: Bank account or service

Discover bank is not treating me fairly and equitably. The bank keeps giving me a hard time with managing my accounts. I had to call this bank several times and the customer service is very poor. I was put on hold for such a long time and a resolution could not be reached!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below mentioned has violated my rights. 

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. 


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: Student loan

This was a private loan that was attained for school. The loan was initially a private student loan with XXXX XXXX. The loan was all of a sudden sold off to Navient. The amount of the loan was never confirmed. After the loan was transferred, Navient requested a full payment of a loan in the amount of over {$15000.00}. After speaking with customer service representatives on several occasions, it was determined that a payment amount of about {$600.00} would be needed, even though I was not working at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to all three bureaus reporting inaccurate and unknown things on my credit report but to this day nearly two months later I have not received a response yet. I was told maybe you can help me. It's three different bureaus and the fact that none of them even took the time to respond to me makes me feel like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It's  currently XXXX so I ask that they please go ahead and delete those items. I demand these accounts be deleted immediately or I will file for litigation due to the blatant neglect you all have shown me. My information was also impacted by the XXXX data beach which caused some of my information to possibly get into the wrong hands. So this current neglect is only adding fuel to the fire. Please remove these items immediately