23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced our home with XXXX XXXX  in XX/XX/2021. We received a notice dated XX/XX/XXXX that the MSRs had been sold to Fay Servicing. We received another notice dated XX/XX/XXXX requiring us to establish an escrow for homeowners insurance. Fay had no right to do this, because ( a ) no escrow was required by XXXX, and ( b ) we were not in default of our obligation to pay XXXX for our homeowners insurance ( i.e., our insurance was effective, as required by the mortgage ). We called Fay to fix this, and were told that if we provided proof of insurance, they would not require the escrow. We reached out to our insurance broker, who said he would send a copy of the policy and added that he would call Fay to discuss/confirm. We followed up to ensure he did so. 

Oddly, we were separately advised by XXXX that Fay had paid a {$79.00} charge on our account on XXXX XXXXa charge for which we had not been billed at that time and which we paid in due course on XX/XX/XXXX ( before we knew Fay had paid ).

This complaint arises because Fay called us XX/XX/XXXX ( we did NOT receive written notice ) to tell us that ( a ) we were obligated to reimburse Fay for its {$79.00} payment of XX/XX/XXXX, and ( b ) if we did not reimburse them immediately, they would start an escrow as of XX/XX/XXXX. Fay erred in two ways. First, they did not have the right to make a protective payment for the insurance, since our insurance had not lapsed and there was no reason to believe it would lapseparticularly because we had not been given an opportunity to pay the additional amount. Second, since they made the payment and knew that our insurance was effective, they had no right to use the threat of establishing the escrow as leverage to get us to immediately pay the {$79.00} ( manufactured ) deficiency in our account with Fay.

Of course, we did pay it, because thats what citizens do when threatened by an aggressive debt collector. But we also have the time and industry knowledge to know that Fay acted inappropriately here. We are not RESPA
experts, so we can not say whether Fays practices were illegal. But I can assure you that Fay is taking advantage of other customers in similar ways, since we spent quite a bit of time explaining to them why this sequence of events was problematic, and they really didnt care. 

We would greatly appreciate your investigation of this matter. We will make a similar complaint to the appropriate authorities in Maryland. 

Thanks
Product: Vehicle loan or lease

I have been on XXXX XXXX XXXX  since XXXX and will be returning to work on XX/XX/XXXX. I understand that my account may have fallen behind during this period, and I apologize for any inconvenience this may have caused. 
I would like to inform you that I will be able to make a payment on the principal balance on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CNAC - GAXXXX Reported : XX/XX/2019 {$10000.00} There is no contract, no valid claims ... account was settled with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit card or prepaid card

On XX/XX/2023, I purchased a laptop through Best Buy that cost {$1400.00}. I opted to take advantage of the Best Buy / Citi Bank offer to open this credit card and receive a 10 % reward. I applied for the credit card and was approved. I was confused when ordering the laptop online, I wanted to make sure I got the 10 % credit, so I called Best Buy to assist me with the order. The customer service rep assisted me on a recorded line and walked me through the process. When it came to choosing the finance options I specifically asked if any of these options would affect my 10 % discount, which was approximately {$140.00}. The Customer Service Rep said no you can choose any option and you will get your 10 % reward. I chose the 12 months no interest and again confirmed that this would not affect the 10 % reward. The order was placed and chose the option to pick up the laptop at the local store that day. My intent was to take advantage of the promotion and had no intention to pay for this with a credit card long term and why the 12 months no interest was appealing. I have already paid {$500.00} since XX/XX/2023, however, did not see the reward on my account. I called Best Buy to resolve this and had to escalate this to a supervisor as Best Buy stated they can not resolve this situation and give me the 10 % reward even though I called Best Buy on a recorded line to assist me to complete the purchase correctly and get the 10 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My XXXX  scores shows a big discrepancies between what it shows to my in their website ( XXXX, Equifax ) than the lender  credit report. I'm looking to buy a home and the Lender credit report requested show way to low my XXXX  score, I dont understand how there could be a discrepancy in my XXXX numbers as much as XXXX points in Equifax and XXXX points in XXXX, XXXX couldn't get it without paying them a fee! 
Can you clarify why is there this this discrepancy, seems completely unfair to consumer to believe that we have a good score when in reality does not. 
thank you for your input on this, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit card or prepaid card

Ive had this card since 2017, started with a {$750.00} credit limit. I have asked twice for a credit limit increase to {$1500.00} and each time Ive been denied regardless of my good payment history. The company states its because of my debt to income ratio. I feel that Im being racially discriminated against. I am an XXXX  who has student loans and is purchasing a home of course my debt to income will be elevated. Im a public servant. The company also used a credit score reported in XXXX.
Product: Debt collection

On XX/XX/XXXX  XXXX and XXXX reported a transaction on my account that I did not give permission to. According to the Consumer Protection Bureau 15 U.S code 1681a2 I did not give written permission to have XXXX  and affrim to furnish on my credit report.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I won a lawsuit against XXXX XXXX XXXX that resides in XXXX, Texas. I was awarded the amount {$10000.00}. Currently, XXXX XXXX XXXX XXXX is seeking payment from the individual. This individual has continuously made false allegations against me to avoid payment of the lawsuit, and I have confirmed with the XXXX prosecutors office of the false allegations. I have attempted to contact Equifax regarding the lawsuit, but have not received assistance.
Product: Student loan

I have 10 private student loans which are serviced by American Educational Services. I have paid these loans on time for over three years. This has been a struggle paying these loans, but I do not want to ruin my credit. I have contacted them monthly to ask for assistance in reducing my payments for the loans which are NCT. I sent in a request in writing in XX/XX/XXXXwhich was never acknowledged, I have also asked for copies of the notes that I signed twice, in XX/XX/XXXX and  again today, XX/XX/XXXX. Today, I called again after seeing a reduced payment schedule for the NCT loans on their website. I was told by the rep that this does not apply to me. I asked to speak to someone above her and she said no one was available and I would have to call back. Lastly I asked for the phone number for NCT and she informed me that they were told never to give the NCT phone number to anyone. I have not been treated fairly. I forgot to mention, the woman informed me that I need to stop paying these loans and someone will assist me.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX a series of about 24 transactions totaling over {$10000.00} occurred on my Wells Fargo Debit card ending XXXX. I filed a claim on XX/XX/XXXX and found it was denied on XX/XX/XXXX. Claim number was XXXX. The majority of the charges were only discovered after seeing a series of 4 charges on the XXXX each for {$500.00} from XXXX which I do not use at all. I then went through my history in detail to see if anything else was suspicious and noticed numerous online merchant charges not made by me across these months from merchants in XXXX and other overseas locations. I have never used or interacted with any such merchants before and I have had claims in the past that were approved for similar if not the same international merchants. But this time they just denied the claim and as a result, I am unable to pay for anything since I am out so much money now. The merchants charged my card internmently and in amounts in the low hundreds to high hundreds and all accross this broad date range and since I hadn't made it a habit to check every day and since I never received alerts or text notifications, I never spotted the fraud. Wells Fargo claims it's consistent with my pattern of use but it definitely isn't since I have successfully complained about such charge types on previous accounts with them and they say some of them require one time passcodes sent to my number to work, but I never received any passcodes. Most likely my card info and phone was leaked online and probably the texts were being sent in some way that masked the number as my number and so i never actually received those texts if that is what happened. I am the victim of large scale fraud, and I demand an appeal of this and refund of my money to my account. The suffering here is real and I can't let this go.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 XXXX XXXX. Never heard of this company!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Southwest Credit System XXXX XXXX XXXX XXXX.

I have spoke with Southwest to try and solve this issue on my credit report and have had no luck.When I spoke with them I ask them where did they send the collection notice and the told me some crazy address I said that not mine. After arguing with them I said I would just paid this to have it remove from my credit report and then they refuse to do a paid for deletion which is crazy to me that they wouldnt do it. I mean first they have not sent me any notices saying I owe this bill second they didnt even call me to inform me of this. I guess now people can just send you to collections without contact now. I would have paid before it went to on my report but was NEVER inform of this. I was willing to paid for deletion now i feel it should just be deleted because of their negligence and unwilling to do a paid for deletion.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I requested a deferment of XXXX and XXXX payments from Wells Fargo they agreed and sent me papers on XXXX XX/XX/XXXX. I filled out the papers and faxed them to the number in front of the paperwork the deadline was XXXX XX/XX/XXXX I faxed the paperwork and had receipt showing it was faxed on 1 XX/XX/XXXX and also at the branch. 9 days after I received a letter stating its denied because they did not receive the paperwork in time I showed proof and said this is the number I faxed it to Wells Fargo said we dont know that number I screenshot the fax number on the paperwork emailed it and they got quiet and passed me to 8 different places but they never wanted to see my paperwork
Product: Debt collection

In 2017 my debt with XXXX XXXX XXXX credit card was near the 10k limit. I had already paid off an auto loan through them and then sold that vehicle to pay off my debt. Including the credit card debt. While hospitalized I recieved bills from XXXX XXXX XXXX as if unpaid. Now in collections. They sent me a bundle of paperwork showing several purchases from that card. The paperwork they sent has a signature with my name in cursive ... It is not my signature. This debt is paid. I paid cash inside the credit union bank.
Product: Consumer Loan

Volkwagen XXXX XXXX and Volkwagen Credit, made an improper " hard '' credit inquiry in 2014 resulting in subsequent adverse credit decisions including denial of credit or higher interest rates. I authorized XXXX inquiry during an application of the lease of a vehicle. I contacted the reporting credit bureaus who referred me to Volkswagen Credit and its agent, Volkswagen XXXX XXXX. To date, only Volkswagen Credit responded and refuses to remove the inaccurate data. I do not dispute that I applied for the loan and authorized a credit inquiry. The dispute is about the number and timing of the other unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXXXXXX XXXX a letter on XX/XX/2023 asking them to provide me a copy of the 1099-C that was issued by their company when they charged this alleged debt off with the IRS which is required by law for all debts over {$600.00}. They NEVER responded to me. They are violating my rights as a consumer under FCRA 15 USC 1681B ( a ) ( 2 ). XXXX XXXX did not have my permissible purpose nor written instruction to furnish this alleged debt on my consumer report nor did I give permissible purpose or written instruction to Equifax, XXXX, and XXXX to publish this alleged debt. These companies have violated my rights as a consumer.
Product: Credit card or prepaid card

On XX/XX/2023, my XXXX XXXX XXXX mother, XXXX XXXXXXXX died. Within two days of her death, her bank, Bank of the West, locked her accounts and closed her cash rewards credit card without notice ( I found out when XXXX notified me that the auto payment from her credit card was declined ). At the time they closed it, she had a " substantial '' amount of cash back owed to her from Bank of the West. I called Bank of the West which refused to talk with me ( even though I am the executor of the estate ). Visiting the local branch in XXXX XXXX, CA was equally frustrating, the people there saying they couldn't do anything but they would have someone from corporate contact me. Today, corporate told me since the account was closed ( by them, not us ) they owed my mother nothing and they would keep the rewards cash that she had earned. She had been with Bank of the West for over 70 years, back to when it was XXXX XXXXXXXX XXXX of XXXX XXXX. Though she was the cardholder, I handled all of her finances for the past five years, including making monthly payments to Bank of the West. The account was paid in full every month and never was there a late payment. My email address, home address and phone number were the contacts on the account. Bank of the West to this date has not sent any notification saying they closed the account, only confirming they did so when I called them.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX. XXXX5 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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 XXXX years. Lastly, 15 USC 1681 s-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 in accurate.
Product: Checking or savings account

This is with Citi Accelerate High-Yield Savings Leveled Bonus Offer ( https : //banking.citi.com/cbol/22/Q3_2/r2c/HYSA/default.htm ) When opening this Citi account in XX/XX/XXXX, it was advised that there will be a {$450.00} Cash bonus credit to the account if we put $ XXXX deposit within 20 days after opening and then keep that balance for 60 days. Received email confirmation from Citi about the term and eligibility. I've followed the steps but no credit showed up after waiting for 90 days specified in the term so called Citi support, was told that I should just wait for the credit as it takes time to show up. XXXX of the customer support checked my account and confirmed that I did all my part and should be receiving this cash bonus. An inquiry was logged on XX/XX/XXXX and I was promised to hear back from Citi. Cti customer support issued a XXXX time credit of {$150.00} ( not {$450.00} ) on XX/XX/XXXX but on XX/XX/XXXX this credit was taken back while I still haven not got any update on the inquiry. It has been more than a month of wait since the inquiry was created. On the call I was promised to hear back from Citi within 7 days since XXXX. Overall I have called at 8+ times on this issue and had to go through long wait on the line but there was no progress. 
Now I've lost my confidence with Citi and will be closing this saving account after I finish transferring the fund to my other bank.
Product: Credit card

XXXX this year and they never showed up. But XXXX shows to photos of the delivery. I called XXXX and gave them the tracking number and they confirmed that the items were delivered to XXXX XXXX XXXX XXXX Apt XXXX XXXX Az XXXX. Not to my address XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX. I have disputed the charge of {$470.00} 4 times, but Synchrony back will not remove the charge because it says it was delivered. I requested each time for them to call fedex and fedex would confirm that the items were not delivered to me. I ordered 2 new cameras on XXXX because I never got the ones I ordered on XXXX. Now Synchrony bank will not remove the charges on my account. I have very good credit and am afraid if I don't pay them for the items I never got. It will hurt my credit. Sychrony credit number XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous notice sent on 45 days ago from the date of this letter, regarding the dispute of certaininformation in my credit file. I am specifically addressing the fraudulent information listed below as a victim of identity theft ; See Fraudulent Collection Account Summary below.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry listed below is a fraudulent inquiry that is being reported on my Equifax credit file Ive contacted equifax three times and received three different removal confirmation numbers which is listed below along with the name and date of the fraudulent inquiry also included is a identity theft report. 

Equifax Inquiry Removal Confirmation Number XXXX, XXXX, XXXX Equifax Fraudulent Inquiry XXXX XX/XX/2022
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 L XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$58.00} ; XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$740.00} ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX  XXXX XXXX XXXX : {$420.00} ; XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$6400.00} ; XXXX  XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX XXXX : {$2200.00} ; XXXX  XXXX Balance : {$2700.00} ; XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.