23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2021 contacted XXXX XXXX payment processing Issues payment via bill pay Company never applied payment or followed up with my serval request for assistance Company sold mortgage and all parties failed to notify applicant ( XXXX ) ( g ) ( I ) ( D ) to date XX/XX/2021
Product: Credit reporting or other personal consumer reports

Called Transunion on XX/XX/year> to have the below fraudulent inquiries removed XX/XX/year> & XX/XX/year> XXXX XXXX XXXX XXXX {$0.00} Same company - No Permissible Use XXXX XXXX XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} Same company - No Permissible Use
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union has reported a status of 120 days late on all credit bureaus. As I had investigated the payment history a little further, I found that the company has no information on the matter of late payment history data under my name or accounts history. I have attempted to correct this matter with the credit bureaus only to be told a reinvestigation would take place, wait 30 days, then a response of nothing because they think my dispute is frivolous. Have received written correspondence via email showing a pays as agreed box checked which means zero or no late payment history should be present on the account, as a status or otherwise. I need this information immediately corrected across all reporting companies and bureaus.
Product: Mortgage

During the month of XXXX 2020, I contacted PHH to inform the company not to pay my homeowners insurance due on XXXX XXXX, 2020. It was my decision to pay myself. I also informed the representative that I would be paying off the balance of my escrow in XXXX and XXXX of 2020 to lower my mortgage and avoid any more interest payments on escrow monies owed PHH. PHH informed me that they would send a form that I must sign and return to them. The letter of instruction was sent to me and returned signed via USPS in XXXX 2020. My mortgage payment at the time was $ XXXX/month which included an escrow payment of {$360.00}. Additional information found for the month of the XXXX statement was {$1500.00} owed towards the escrow. On XXXX XXXX, 2020 I paid a total of {$1500.00} which included the {$810.00} towards the mortgage payment. In addition, the amount of {$770.00} was applied towards the escrow. The amount {$770.00} paid was designated in the escrow category on their website. On XX/XX/XXXX20 I spoke with a representative of PHH to ensure that it was recorded for the specific amount to lower my escrow owed. The representative assured me it would be updated and my new monthly payment would reflect a change. Upon reviewing my newest online information on XX/XX/XXXX20 it was found that my new monthly payment was {$790.00} due on XXXX/XXXX/20 however, there was no indication that I paid {$770.00} towards the escrow. After contesting that the previous two months escrows were never applied towards the stated {$1500.00}, the representative then explained I made an over-payment and {$170.00} would be refunded to me by mail. In further review of the XXXX statement it was discovered that my new escrow payment was now {$2800.00}. On XX/XX/XXXX20 to confirm our agreement of my sole responsibility to pay my own insurance it was learned from their representative that they have no written information of my signed release. After debating my previous conversations it was charged to the representative that I would be escrowing my taxes only and paying my homeownwers insurance out of pocket. The representative explained to allow PHH at least 10 working days to update my account of which they have disregarded to do from previous telephone conversations.
Product: Debt collection

The Company calls every with different people i started for them to stop calling me and they would call back an hour later. 

This is second company that called me regarding this loan
Product: Credit reporting, credit repair services, or other personal consumer reports

After unsuccessful attempt to open a new checking account with a bank, the banker informed me that XXXX provided negative information about me and it affected the bank 's decision. I got contact info for XXXX and I called the number and requested a copy of my report but never heard back from them. They do not employ a life person for inquiries and it is impossible to reach for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed form my credit. 


1. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX This is not mine.

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX This is not mine.

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXXThis is not mine.

7. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.
Product: Vehicle loan or lease

I had a car pre-approved loan with Capital One. I purchased the car in XXXX XXXX XXXX. Capital one gladly financed this car at XXXX percent for 72 months. The finance amount is {$17000.00} and the amount financed was {$26000.00} the total payment was {$43000.00}. I put {$10000.00} down on this car. 

I currently have three credit cards with Capital One. A business car in the amount of XXXX. I have XXXX personal credit cards equaling the amount of {$700.00}. 

Capital One asked for a large amount down to show my vested interest in the vehicle. On my credit report with XXXX, XXXX, and XXXX it does not show the amount of the car is {$43000.00}. 

It is my firm belief, Capital One is conducting unfair lending practices. If I have creditworthiness for purchasing a vehicle. I should have the same type of creditworthiness as a personal guarantor for my business. 

I have called them on several occasions to ask why is Capital One not working together to give me the best deal on my Credit card. I asked them to lower the interest rate on the car. Yet, Capital One refuses to give me an answer from their call service division. 

My business is worth XXXX with collateral. However, when submitting the paperwork Capital one does not take any information into consideration. I would like for them to give a written answer to their practices. I have not missed any payments on my Capital One Spark Card. In some months I have made three payments. 

I have called Capital One to request the reason for their decision to not afford my business credit card a higher credit rating. XXXX is the latest call made to Capital One Business Credit card. 

I have equally requested for Capital One to report the correct address on my business card XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. 

No explanation given
Product: Credit reporting or other personal consumer reports

I want this deleted off my report because I have not gave right to disclose non personal information to non affiliated third parties GRAMM-LEACH-BLILEY ACT , 15 U.S.C. SEC. 1602 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I have not supplied institution to disclose non public information under doctrine GRAMM-LEACH-BLILEY ACT , 15 U.S.C. SEC. 1602 therefore I request deletion of this account off my report
Product: Credit reporting or other personal consumer reports

I have attached my FTC report with all fradulent accounts. I have not checked my credit in several years and when I did so I seen there were numerous collections and hard inquiries that did not belong to me.
Product: Credit reporting or other personal consumer reports

experian is reporting a charge off account of XXXX  XXXX XXXX this account was paid in full and was not a chagre off i have cotnacted them mutliple times and they advised ti would be corrected
Product: Credit reporting or other personal consumer reports

I sent a XXXX  report on XX/XX/year> demanding a a correction to my credit report due to the non compliance from ( original creditor ) XXXX XXXX XXXX XXXX and LOCKHART, MORRIS & MONTGOMERY for inaccurate credit reporting in violation of the FCRA LAWS Date opened : XX/XX/year> Balance {$1600.00} Account # XXXX According to Congress Federal Law Fair Credit Report Act 15 USC 1681 A-N Definition Exclusions of Contract and Civil Liability for Willful Noncompliance erase and discharge the line of credit and transactions/experiences that show late payments, payment history, utilization, mixture of credit, length of credit history, new credit. 
These shall be excluded on consumer reports. 
You will also need to show original agreement with signed wet ink signature. Since you can not furnish this information, please discharge/delete this negatively impacting report item. 

They failed to do such and comply so I demand this fraudulent account be removed from my credit report.
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries XXXX XXXX XXXX
Product: Mortgage

TO WHOM IT MAY CONCERN XXXX AND XXXX XXXX WHO LIVES AT XXXX XXXX XXXX XXXX XXXX PA XXXX FELL ON HARDSHIP WITH OCWEN FEDERAL BANK IN 2010 WE WERE ONLY THREE MONTHS BEHIND WHEN WE CONTACTED OCWEN FEDERAL BANK TO HELP US CATCH UP ON OUR MORTGAGE. THEY SAID THAT WE WAS ELIGIBLE FOR IN HOUSR MODIFICATION LOAN WE FELL ON HARDSHIP BECAUSE THE CO SIGNER OF THE LOAN XXXX XXXX XXXX HAD PASSED AWAY AND XXXX XXXX XXXX AND LOST HIS JOB AND XXXX XXXX HAD XXXX SURGICAL PROCEDURES DONE ON HER. WHEN WE FILED FOR THE MODIFICATION LOAN, WE WERE DENIED BECAUSE THEY SAID THE INVESTORS DOES N'T DO MODIFICATION LOAN, AND THEY STOP TAKING MONEY FROM US FOR THE MORTGAGE.WE REQUEST FOR ANY INFORMATION ABOUT THE INVESTORS THAT IS HOLDIN On THE LOAN THEY SENT US A WRITTEN PAPER SAYING THAT ITS US BANK WE WROTE TO US BANK AND THEY TOLD US THAT IT WAS UP TO OCWEN TO GIVE US THE MODIFICATION LOAN. NOW THAT WE ARE 5 YEARS BEHIND NOW, AND OUR INTEREST RATE IS 13.5 % WE FILED FOR BANKRUPTCY A COUPLE OF TIMES AND THE MONEY THAT WAS PUT ON THERE, WAS SUPPOSED TO GO TO THE MORTGAGE AND THE TRUSTEES. WE ARE LIVING IN THIS HOME FOR 15 YEARS. AND I ASK THEM FOR A WRITTEN BREAKDOWN OF HOW MUCH WENT TO MY LOAN, THEY TOLD ME XXXX $ WENT TO THE LOAN AND XXXX $ WENT TO THE PRINCIPAL AND THE INTEREST RATE KEEPS GOING UP. THE LOAN THAT XXXX XXXX XXXX TOOK OUT WAS ONLY XXXX . NOW BEINGS THOUGH THAT THEY WAITED FOR US TO GET FAR BEHIND WE ARE NOW WORKING WITH A HOUSING COUNSEL AT THE XXXX HOUSE. HER NAME IS XXXX WE APPLIED FOR SEVERAL MODIFICATION LOANS AND THEY KEEP SAYING THEY CAN REFER US TO OTHER PROGRAMS THAT MIGHT HELP US TO BRING OUR LOAN CURRENT, AND THEY ALSO TOLD US TO PROBATE THE ESTATE AND WE COULD ASSUME THE LOAN. THEY HAVE NOT LET US YET TO ASSUME THE LOAN AND THEY WILL NOT GIVE US A MODIFICATION LOAN, NOW WE TRY TO APPLY FOR A HEMAP LOAN. THEY PUT OUR HOUSE UP FOR SHERIFF SALE 3 OR 4 TIMES AND THEN CANCEL THE SHERIFF SALE. EVERYTIME THEY DOES THIS IT COST US {$8500.00} NOW ITS GOING UP FOR SHERIFF SALE FORECLOSURE FOR XXXX XXXX. THEY GAVE US A RELATIONSHIP MANAGER TO SPEAK WITH AND HIS NAME IS XXXX WE ARE REALLY TRYING TO SAVE OUR HOME, AND HE SEND OUT ANOTHER MODIFICATION PACKAGE TO FILL OUT. NOW SINCE THEY WILL NOT HELP US WE HAVE AN OUTSTANDING BILL THEY SAY FOR {$86000.00} HALF OF THAT IS FORECLOSE COSTS ATTORNEY COSTS, AND I DONT THINK THAT ITS FAIR THAT WE CAN NOT GET A MODIFICATION LOAN WHEN US BANK AND OCWEN BANK DOES MODIFICATION LOAN THEY NEVER TOLD ME WHO THE INVESTORS ARE. WE SPOKE WITH THEIR ATTORNEY AND HER NAME XXXX XXXX AND SHE SAID ITS UP TO OCWEN TO GIVE US A MODIFICATION LOAN.WE NEVER HAD A MODIFICATION LOAN BEFORE. AND WE ARE ASKIN CAN YOU PLEASE HELP US WITH THIS MATTER SO WE CAN STAY IN OUR HOME. THANK YOU XXXX AND XXXX XXXX IF YOU HAVE ANY QUESTIONS YOU CAN CONTACT US AT XXXX XXXX XXXX THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified of Equifax 's data breach and their attempt to get consumers to waive their legal rights. 

From Equifax : " Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company 's investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifax 's core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver 's license numbers. '' According to Equifax, I have been impacted by this incident. 

Additionally, Equifax is attempting to trick consumers into waiving their legal rights through their offer of free credit and ID protection. 

From the XXXX XXXX. 

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

Per 15 USC 1681 ( FCRA ), as a Federally protected consumer I have the right to privacy and accurate reporting to my credit profile. I am not liable for a debt with XXXX, nor do I have a contract with DIVERSIFIED ADJ SVC. Upon request I was denied an original contract from DIVERSIFIED ADJ SVC which they failed to provide. I contacted XXXX XXXX and XXXX concerning the matter to verify the accuracy of this reporting which all failed to provide me with sufficient information pertaining to the validity of the inaccurate reporting to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a report with CFPB on XX/XX/22 regarding XXXX XXXX XXXX XXXX XXXX XXXX. Asking for them to correct the errors on my account. 

XXXX and then XXXX XXXX both posted new information and removed negative information. I paid the new amount that XXXX XXXX requested. 

I have learned from XXXX today that now all three credit bureaus have had the matter addressed. It still shows negative credit on my TransUnion account. from XX/XX/22. Part of what I requested from XXXX XXXX XXXX is that remove all negative credit from all three credit bureaus. Listing never late, on time, exceptional payment. 

Negative credit is still showing on TransUnion as of XX/XX/22. Balance was paid in full on XX/XX/22. I have not had any reports about my XXXX credit as of yet.
Product: Debt collection

On XX/XX/2018 this company contacted a relative of mine and threatened legal action against me. I then spoke to the company regarding this debt that has been settled for well over 10 years and then this company did threaten judgement and wage garnishment against me. This has all occurred without any correspondence by mail.
Product: Checking or savings account

In XX/XX/XXXX, I received a flyer from Citibank. The flyer says that I am invited to become a Citibank banking client and earn XXXX XXXX   Aadvantage bonus miles. 
On XX/XX/XXXX I called Citibank to open the Citigold account to earn XXXX Aadvantage bonus miles after making ATM Debit card purchases of {$1000.00} and making 1 or more Bill payments for 2 consecutive calendar months. 
The Citibank representative says that they successfully applied to my account, and the offer code is XXXX. 
( See attachment : XXXX Citibank flyer ). 

On XX/XX/XXXX I contacted Citibank via Chat to ask them whether I have met the requirements of the bonus offer. The Citibank representative confirmed that I had met the requirements for the XXXX miles offer and that the AAdvantage bonus miles will be credited by Citibank to the AAdvantage account within 90 calendar days from the date when the client completed all offer requirements.

( See attachment : XXXX Citi confirms XXXX AA.pdf ). 

On XX/XX/XXXX I received a letter from Citibank saying that the requirements for Promotion XXXX were not met because this promotion was not available to existing Citibank customers. Their records indicate I have a existing checking account number ending in # XXXX, which was opened on XXXX XXXX. This account was closed in XX/XX/XXXX. 
( See attachment : XXXX Citi letter denying requirements met.pdf ). 

On XX/XX/XXXX I contacted Citibank via Chat to dispute the letter on XX/XX/XXXX denying that I had met the promotion requirements. They confirmed my checking account ending XXXX was closed in XX/XX/XXXX. However, they said that I was not eligible for the requirement because I was not a " New-to-Citibank Client. " New-to-Citibank Client must not be have owned a Citibank checking account within the last 180 calendar days from the date of enrollment in the targeted offer. 
( See attachment : XXXX Citi chat denying requirements met.pdf ). 

I am a raising a complaint because : 1 ) When I called Citibank in XX/XX/XXXX to open the account, they did not tell me that I was not eligible for the promotion. They went ahead and opened the account for me and told me the Offer code was successfully applied to my account. 
2 ) When I contacted Citibank on XXXX XX/XX/XXXX, Citibank confirmed that I had met the requirements of the XXXX miles offer and the Aadvantage miles would be credited to my account within 90 calendar days. Nothing was mentioned about me not being eligible.

3 ) I received an 8 page flyer from Citibank inviting me to apply for the promotion. Of the 8 pages there was only 1 sentence in the fine print that mentions the " New-to-Citibank Client definition. Also, this definition is not in line with the normal understanding of these words. Most people would think that if someone did not have an existing Citibank bank account then they would be a new banking client.

4 ) It is misleading for Citibank to send me a flyer with a targeted offer for this promotion, when they are now saying that I was disqualified from the very beginning.
Product: Checking or savings account

Bill pay could not be accessed beginning Wednesday XX/XX/year>. After clicking on Bill Pay message displayed stating Bill Pay is currently unavailable due to an issue with your account, For assistance, please contact us at XXXX. Error Code : XXXX. The results were the same in app and website using multiple browsers. I deleted app. Reinstalled app. Used multiple browsers. Cleared cookies. Did not use VPN. 


On Thursday XX/XX/XXXX contacted NFCU at XXXX. Spoke with two representatives over thirty minutes. Was told account was updated and to give it a couple of hours and I would gain access to bill pay. 

As on Friday XX/XX/XXXX I did not have access to bill pay. I sent DM. Received response that message was sent and I could expect a response in two to three days. 

Two to theee to address a basic banking function is unacceptable. I used the chat function on the website. Over the course of forty five minutes I chatted with XXXX, XXXX, and XXXX. None of which was able to assist. I was asked to call XXXX and speak with a Digital Supervisor. I spoke with XXXX. He did not empathize with my situation. He stated the situation was being pushed up to technical team. He would not or could not provide an ETA. He stated technical team would not contact to provide updates or estimated time of resolution. 

Bill pay is an essential function of a financial institution. NFCU and XXXX did not have a sense of urgency to resolve issue and did express concern or empathy over my inability to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have two credit card accounts with Chase. One account has a $ XXXX limit which I use frequently. The other account has an approximate $ 6k limit which I never use. Chase has no record of the $ XXXX account. 

In XXXX, I lost the credit card to the $ XXXX account. I couldn't get an employee on the phone, so through their mobile site I requested a new card and turned off the old card. This month, I mistakenly missed my payment window. My payment was due on XX/XX/24 and I was attempting to make a purchase on XXXX. My credit card was declined a purchase on the account although I have a $ XXXX limit and $ XXXX balance. 

When I log into Chase 's mobile and desktop sites, my credit balance is {$6500.00} with {$0.00} available credit. Chase 's customer service representative refused to transfer me to a manager and attempted to solve my call herself after I requested to speak with someone else multiple times. 

The rep and the Supervisor I was transferred to can not locate the second account. None of their systems reflect the second account. In addition, they can see my credit limit is $ XXXX, but it is not reflected in any statement documentation, mobile or desktop sites for customer information. In addition, the bank did not reach out to me to notify me my payment was late and my limit would be reduced by almost $ 15k until a payment was made. There are no messages on their site to me noting the reduction of credit limit until payment is made. 

While I was on the phone with the Supervisor, he noted it may take up to 48 hours for my payment to clear, my limit be changed and account to be usable again. I thought the regulations required payments to clear the same day.
Product: Debt collection

XXXX alleges that I owe {$740.00}. This information is false and inaccurate. I have no account with XXXX XXXX XXXX XXXX XXXX, nor do I have an account with XXXX XXXX XXXX XXXX XXXX I requested debt validation from XXXX which I never received. Therefore XXXX is in violation of federal laws.