23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a prior HELOC loan that was converted to a subordinate lien against my home by XXXX XXXX Bank in XXXX. I had filed for bankruptcy and mortgage protection for my primary mortgage but it was not accepted or recognized for my HELOC. They called in the loan and refused to take payments unless it was paid in full. In XX/XX/XXXX thry sold my subordinate XXXX to a loan servicer who also would only take payments in full. I have tried a short payoff and modification but thry were rejected. The balloon payments have {$27000.00} in interest attached to the original {$3000.00} loan balance. I have attempted to mail payments to show a payment history but the payments are returned and the servicer won't show any records of my attempted payments. The company is called Specialized Loan Servicing out of Colorado. I don't qualify for a refinance because of the delinquent status and I don't qualify for a large enough personal loan to pay this {$57000.00} bill in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice To Cease And Desist I refuse to pay XXXX XXXX XXXX, XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX  alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A.

If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid money to only go without repair or communication. I had to reach out several times to only get told he was out of town. When I did get in contact he would claim to call me the next day in office with info. I requested to see proof of credit repair he had done since I saw none. I requested a refund. I received none. {$450.00} and not even some refunded. A complete fraud. I noticed there are several people who have done reviews on being defrauded.
Product: Debt collection

Subject : Request for Removal of Inquiry Due to Data Breach Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of an inquiry listed on my credit report under kia finance XXXXXXXX XXXX XXXX XXXX XXXX XXXX due to a recent data breach that has resulted in the unauthorized use of my personal information. The data breach, which I was a victim of, has caused significant damage to my credit, and I am requesting that any inquiries associated with this event be promptly removed. Under 15 U.S.C. 1692cc, I understand that I have the right to dispute any inaccurate or unauthorized information appearing on my credit report, particularly as it relates to practices such as unlawful or improper inquiries due to identity theft or a data breach. In addition to this legal framework, I would like to emphasize the harmful impact that this situation has had on my financial wellbeing and the need for swift action to rectify the situation. The inquiry in question was made without my consent, and I have already taken steps to report the data breach to the relevant authorities, including the Federal Trade Commission ( FTC ) and other consumer protection agencies. As such, I kindly request that you investigate this issue and remove the inquiry from my credit report at your earliest convenience. Should you require any further documentation, such as a police report or proof of the data breach, please let me know, and I will be happy to provide it. Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this Make sure to include any relevant details, such as the date of the breach and the specific inquiry in question, as applicable. Also, consider including any supporting documents, such as a police report or any notices from the company involved in the data breach. Sincerely, XXXX XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to submit an urgent complaint regarding the non-receipt of funds from Citibank, which has caused significant financial distress and has yet to be resolved. 

On XX/XX/2023, I opened an account at Citibank, placing my trust in their reputation for excellent service and reliability. Unfortunately, shortly after opening the account, on XX/XX/2023, I received a letter from Citibank stating that all of my accounts were scheduled for automatic closure within 60 days. The closure notice assured me that the funds, totaling {$55000.00} USD, would be returned to me via a check delivered to my home address. 

It has now been well over 60 days since the closure notice, and I have not received the promised funds. Despite numerous attempts to resolve the issue through direct communication with Citibank 's customer service, there has been a lack of response and no resolution. 

The non-receipt of these funds has caused significant financial hardship, as I relied on these funds for my financial obligations. The delay has left me in a state of financial uncertainty and distress, and I am concerned about the lack of accountability and transparency in Citibank 's actions. 

I kindly request the Consumer Financial Protection Bureau 's immediate intervention to investigate this matter thoroughly. I believe that Citibank 's failure to fulfill their obligations is a violation of consumer protection laws and regulations. I trust that your agency will take prompt action to ensure a fair resolution and hold Citibank accountable for their actions. 

To assist in your investigation, I have attached copies of the closure notice, bank statements, and my communication with Citibank 's customer service. These documents provide a comprehensive overview of the situation and the ongoing delays and lack of response. 

Account Holder : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Debit Card Number : XXXX XXXX XXXX XXXX Account Number : XXXX Amount in Savings Account : {$55000.00} USD Citi Executive Department Case Number : XXXX I am prepared to provide any additional information or documentation that may be required to support your investigation. I genuinely hope that the Consumer Financial Protection Bureau 's intervention will lead to a swift resolution, ensuring the return of the funds rightfully owed to me. 

Thank you for your immediate attention to this matter. I eagerly await your response and appreciate your assistance in addressing this concerning situation. 

Yours faithfully, XXXX XXXX
Product: Credit card

I purchased. The item does not work. I want a credit on my account. They will not.
Product: Bank account or service

I was never late on a payment but because of their records and mistake they inaccurately put a 30 day late payment history on my credit report and have refused repeated attempts to remove it through communication with them and also filing disputes with the bureaus. I need the late payment history removed because I was never late and it is jeopardizing my credit score and my ability to get a home loan at the rate for which I should get.
Product: Prepaid card

This is an American Express XXXX XXXX XXXX that I bought directly from XXXX. When I tried paying for my hotel visit with this gift card, the transaction was declined. I called the customer support office, which provided no help. I can not use this card despite having a full {$50.00} balance on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified Equifax Credit Reporting Agency that I noticed unauthorized and unrecognized inquiries on my credit report, the following are a list of said inquiries that were fraudulently placed on my credit report. 

XXXX on XX/XX/XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXXXXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX ON XX/XX/XXXX XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I applied for a credit card with XXXX XXXX XXXX XXXX on XX/XX/24 and I was denied because Equifax showed : a serious delinquency, length of time accounts, proportion of loan balances and ratio of balance. When I called Equifax, they advised I have not had a delinquency or negative account information. Equifax is reporting incorrect information per the Fair Credit Reporting Act and I need to figure out how to get this corrected as there is no serious delinquency at all. This is very frustrating and causes stress with my credit report. I attached proof from XXXX XXXX XXXX Notice and proof from my Equifax credit report of no negative accounts.
Product: Debt collection

I have XXXX XXXX and my XXXX recommended that I wear a XXXX XXXX called XXXX made by XXXXXXXX XXXX 
The patch was a terrible design and kept slipping off. I called Customer Support and they said that it was tracking the information, but I was skeptical due to its faultiness. 

My XXXXt received the report and he said that even though I was supposed to wear it for XXXX weeks ( I sent it back after 7 days since it wouldn't stay secured ) the information was satisfactory and that we could do it again for more accurate results. 

In the meantime, I receive an invoice for {$500.00} from XXXX. XXXX already paid {$500.00} and now, I too, owed {$500.00}. Needless to say, I was not happy since the product was unsatisfactory. 

I called the customer service line to discuss the invoice and was on hold for over 10 minutes. I couldn't wait on hold that long, so I hung up and called later. When I called back ( again on hold for a long time ) I left a message and asked to be called back to discuss how I could set up a payment plan, or a reduced fee. I never received a callback. 

Several weeks later, I called again and was again put on hold. When I had time to call back, I left another message about how we could work out a payment plan for the {$500.00}. 

Again, no callback, so I emailed them telling them how dissatisfied I was with their product and their customer support and I suggested that since they were already paid {$500.00} from my insurance, they should consider writing off the other {$500.00}. Again, I never received a call or email back. 

Now as of last week, I received a text and a letter from Capital Recovery Corp stating that I was now in collections! I am so upset that it got this far when I was trying to work out payment with the XXXX. ( I also sent a complaint with the XXXX and noticed that XXXX has received numerous complaints almost identical to mine ) Not only should I have not gone to collections, my credit score is now XXXX and it's always been XXXX which is excellent. I am never late paying my bills, so you can understand how unfair and unprofessional this is. 

I suggested to the creditor that I could pay them {$200.00} right away ( again since I tried to pay my invoice before it got this far ) and they said that the best they could do was {$300.00}, and they couldn't put me on a payment plan. I asked them 2x if this would bring my credit score back up and they have not answered me. 

I believe that XXXX is a scam company and that they don't have anyone available to help the patients. As I said, I called and emailed to try to resolve my bill and I was completely ignored, but instead was sent to a collections agency. 

Can anything be done about this company? They are not available or care about the customer, and now I'm in collections for the first time in my life. 

I look forward to your input and help. Thank you! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires i would like them removed. I have filed with identity theft.gov and provided a copy. immediately remove these from my credit reporting. 

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Product: Credit reporting or other personal consumer reports

My credit score has dropped by XXXX points because they miscalculated my XXXX balance as having {$260.00} but it was {$0.00}. This happened on XX/XX/XXXX and XXXX ( Equifax ONLY ), days after I paid it all off. XXXX posts only on the XXXX of each month. I have paid it all off on XX/XX/XXXX. My credit score has dropped due to a miscalculation and Equifax has had a huge history of miscalculating peoples credit scores due to their fault program. They have constantly violated the Fair Credit Reporting Act and have violated my rights. At this point, it is a federal offence as my credit activity is definitely not reflecting my credit score based on Equifaxs reporting. My credit score drop needs to be reversed, otherwise they are committing fraud. I submitted this complaint and I made attempts to call them however, they have persistently given me a hard time to dispute because they claim that they can not verify my identity and also I have noticed random inquiries in my account after providing them such information so they are also tampering with my identity which is another offence. Equifax is under many violations and if they do not attempt to fix this incorrect reporting and to not tamper with my identity, I will escalate this further and get authorities involved.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I sent a letter addressing inaccuracies and unknown entries on my credit report. Despite more than 45 days passing since then, I have not received a response. I believe I am being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days provides grounds for their immediate removal from my credit report. Since it has been over 45 days, they should be promptly deleted. I insist that these accounts be removed immediately, or I will pursue legal action due to the distress caused by this situation. Furthermore, my personal information was impacted by the XXXX data breach, raising concerns that it may have fallen into the wrong hands.
Product: Mortgage

My issue is that I have been given conflicting information regarding my PMI ratio. My loan officer, XXXX XXXX, at Trident Mortgage Company, has stated my loan is XX/XX/XXXX percent. However, my new loan servicer ( XXXX XXXX ) keeps sending repeated letters stating that my PMI ratio is XX/XX/XXXX percent. 
I have made repeated calls of contact to the originator of my loan, Trident Mortgage Company, based in XXXX XXXX XXXX, to no avail. Although I have been told that the loan is for XX/XX/XXXX percent, I have not received responses from them when I attempt to speak with them. 

Differently, is when I call XXXX XXXX, the new servicer for this loan. They tell me that the loan is XX/XX/XXXX percent, but they do not know why. I have made repeated attempts to speak with them only to speak to various people in various departments and no one is able to provide me answers to my questions.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
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 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 Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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 card or prepaid card

The creditor will not update the balance on my credit report. I have been paying on time but have 30,60 and 90 day lates reporting which is harming my credit and the chance to qualify for a home loan. They will also not allow me to pay the remaining {$25.00} balance. There is not customer service number. Email is the only communication channel and I can not seem to get anyone to reply. I have attached a snip of the account on the credit report and the most recent statement from Grain Technology as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of accounts on my credit report that do not belong to me. I would like them removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I sent a hand written letter to Experian dated XX/XX/2016 requesting verification ( consumer disclosure ) of XXXX of my student loan accounts in which the debts have been re-aged repeatedly for more than a decade. As of XX/XX/2016 there has been no response to my request, and the accounts remain. Numerous missed payments are reported continuously, while the date of first delinquency is approximately fifteen ( 15 ) years ago. 
I had the letter notarized on XX/XX/2016 prior to mailing by an officer at my local bank. Copies of all are enclosed for your review. Relevant pages from my current credit report dated today, XX/XX/2016 are also attached. 
I would like to request that these accounts be deleted so that I will no longer be illegally and unfairly punished by Experian.
Product: Mortgage

We refinanced our home mortgage through Interfirst Lending in XXXX of XXXX. On XX/XX/XXXX, Interfirst deposited our check in the amount of {$6000.00}. As the payment coupon indicated, this represented our mortgage installment of {$1000.00} for XXXX as well as an additional {$5000.00} principal payment. Interfirst applied the XXXX installment of {$1000.00} but pocketed the {$5000.00} principal payment. 

Eventually, Interfirst admitted their error and the {$5000.00} principal payment deposited on XX/XX/XXXX was credited as of XX/XX/XXXX. It was pointed out that we were fraudulently charged interest on this {$5000.00} for almost four months but Interfirst has refused to reimburse the interest charged. Interfirst sold our mortgage to XXXX  XXXX XXXX late last year and had directed us to seek this interest from XXXX  XXXX. Interfirst made a significant error in pocketing our {$5000.00} and they are the ones that profited from their error. XXXX  XXXX XXXX will not respond and had nothing to do with the error.
Product: Debt collection

This my response to a complaint ( XXXX ) I submitted XXXX against GC Services! 

GC Services, responded to my complaint ( XXXX ) XXXX! However, this response is not acceptable, because they did n't give an explanation to the charge I made of presenting me with XXXX different letters which contradict each others : XXXX XXXX, XXXX letter showed a balance of XXXX XXXX XXXX compared to the other letter dated XXXX XXXX, XXXX had a balance of XXXX XXXX XXXX Since I paid the money to GC Services, I believe an explanation should be their responsibility to explain the differences! 

Thanks in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX 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