23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Here is what I'm mailing Best Buy Credit by Citibank : XX/XX/XXXX Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX MO XXXX Re : Account Ending XXXX XXXX To whom it may concern : I recently discovered, much to my horror, that Best Buy Credit/ Citibank have been charging me roughly 1 % per month for a Debt Protection service I dont recall being offered or consenting to. I demand a full refund for those fees immediately. As of the statement dated XX/XX/XXXX, we have paid {$260.00} in fees that were never authorized by us. 
On XX/XX/XXXX, my family made a large purchase at Best Buy in XXXX XXXX, California and were delighted with the offer of 24 months interest free. We immediately set up an auto-payment in order to pay off the balance within those twenty-four months directly from our checking account. Because it was set up on auto-payment, I would occasionally log in to your credit card servicing website to verify everything looked OK on the dashboard summary. Ive attached a copy of what I typically see for reference. It illustrates there being no additional fees. 

It was only upon further inspection this week that I discovered that your firm hasnt been forthright or truthful about the fees you have been charging me. It was only after I went into the full statement where it was listed. 

This dishonest behavior by your organization further the awful reputation of the Financial Services industry in America. Its clear your desire is to hide fees and fleece our community. My heart aches for less savvy or resourced Americans who go years paying for things they never opted into. 

I expect a response and a refund of the associated fees as soon as possible. 

Sincerely, XXXX XXXX XXXX Cell : XXXX CC : XXXX XXXX XXXX   CC : Consumer Finance Protection Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Debt Relief has mis-led, used false marketing, and has not disclosed any information to me about my account. They charged ridiculous fees with nothing to show, collected over {$40000.00} from me did little to nothing of what was promised. Furthermore, they lied about what they could do, what they did, and what they were working on doing I cant even get copies of my agreement with them. When I log in, the website shows an entirely different account with someone elses social security number, banking information, and accounts. I closed my account and now they refuse to even tell me which accounts had settlements, and who the company contacts are. Ive wasted four years of money, energy, stress, and credit score on this company. In speaking to creditors, Ive found out some settlements were never even agreed upon! They lied, stole, and cheated me!
Product: Checking or savings account

I lost access to the accounts and phone numbers that are the login credentials. After repeated attempts to access the account with the help of customer service i was told that access to the account or the funds would not be possible and they could provide no further information. The irs direct deposited XXXX dollars in the account in question and i need to access it.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE LOOK INTO THE XXXX ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS XXXX  ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T EQUIFAX AND XXXX DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.
Product: Debt collection

Credit Acceptance Corp, XXXX is reporting the following history on my credit report : {$32000.00} chargeoff, showing account open and past due with lates reporting every month since XXXX of XXXX. 

This account was charged off in XX/XX/XXXX. It is illegal to report late payments on an account that has been charged off, yet after disputing this with the credit bureaus, and after calling the company directly, they are refusing to stop reporting this account late every month since XXXX of XXXX. Because of this account reporting late every month for the past XXXX XXXX years, my credit is completely ruined and I am unable to purchase a car, a house, or obtain any type of credit at all. I have been stuck in this position for over XXXX years because of their refusal to correct this situation.
Product: Debt collection

Reviewing my credit report on XX/XX/year> I begin to notice that there is an inaccurate collection account that is currently being report. I have reached out to the creditor and the credit bureau requesting an investigation. I only received that this account has been verified. However, I requested the information on how did they verified this account and did they send you guys an sign contract regarding this account and who did they speak with, how did they verify the accounts because past due bill statements is not accurate. I yet have not received any accurate verification regarding these accounts. I requested all this information on XX/XX/year> yet have not received any documentation of this required information. As of XX/XX/year> these accounts are still being reported on my credit report as of today. I still do no believe that this accounts belong to me nor do I believe that the creditor have the correct authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect my credit report. I am requesting that you will get the 3 credit bureaus XXXX, XXXX or XXXX to delete these accounts until they can provide the accurate documentation that I have requested that shows that this account is mines. I need the contract, signature, and the Id that should have been requested and provide
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to report the inquiries on several occasions. I am unaware of the inquiries that are reported on my credit report. At the time these inquiries were reported I was XXXX. Its no way I authorize the inquiries on my credit profile. Its fraudulent XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX reported XXXX XXXX ; XXXX XXXX XXXX  XXXX reported XXXX XXXX I would like for the inquiries to be removed immediately off my credit profile I was XXXX  from XX/XX/XXXX until XX/XX/XXXX XXXX
Product: Mortgage

I purchased a single family home as an investment property on approximately XX/XX/XXXX. 

My original loan amount was approx. {$76000.00}. My current principle balance is approx. {$42000.00}. 

20 % of the original sales price is approx {$15000.00}. 
80 % of the original sales price is approx {$60000.00}. 

The current market value of this property is approx {$260000.00}. 

Over the past few years, I have made several requests to have the Private Mortgage Insurance ( PMI ) removed, but each request is denied by the mortgage company Shellpoint ( a division of NewRez ). 


I believe the mortgage company is in violation of the Homeowners Protection Act of XXXX, and I am requesting assistance getting my request to remove the PMI honored by the mortgage company.
Product: Credit card or prepaid card

I have a Chase-JP Morgan Freedom credit card. Since XX/XX/XXXX there has been a XXXX balance on my card. On XX/XX/XXXX Chase withdrew {$620.00} from my local bank checking account and assigned payment to my Chase credit card - again it had a XXXX balance. I spotted their larcenous action and visited my local bank to stop payment. My local bank did not issue the payment to Chase. I also called Chase to explain what happen. After many conversations and departments, I was told that Chase had an internal problem and " it was wide-spread and they are working on the problem ''. I asked if anybody was going to contact me or if a particular person was assigned to speak with consumers that have this issue. I was told " No ''. They did research my account when I was speaking to them and discovered that the {$620.00} was an exact payment that I made in XX/XX/XXXX to pay my credit card balance. I paid the XX/XX/XXXX payment with a physical check that I mailed to them. How was Chase able to access my banking information in XX/XX/XXXX from a physical check that I mailed in XX/XX/XXXX? I believe that they violated a breach with my banking data.
Product: Mortgage

Aloha, After having an abnormally hard time getting a digital copy of my closing docs for my records, and after just receiving my property tax notice in the mail- I saw quite a significant disparity from what my appraisal came back as and what my property assessment value is. 

On XX/XX/2018- I proceeded with closing on a VA home loan for my current condo. For a VA loan approval, and any mortgage loan, an appraisal is done to verify the value of the property. USAA requires, as part of the loan process to disclose the contract price of the loan prior to them requesting an appraisal. In compliance, I sent them a copy of the purchase agreement for an offer made of {$320000.00}, and in return an appraisal was conducted. 

Within a week or so, I got back my appraisal and it came in for the exact amount of my offer, {$320000.00}, no more, no less. I found it odd, but was assured this could happen. As I mentioned earlier, I did not know that the property value was indeed lower until I received my property tax assessment form which so happened at the same time I was trying to request electronic documents from USAA and the request for some reason was forwarded all the way up to the Office of the CEO. Now, that I found to be a bit odd.

Something told me to take a deeper look since I was getting so much push back and it took about 3 weeks to get a simple electronic copy. I went back through my docs, and also saw in the mail my tax assessment form. 

It pangs me to know that my lender, who is in business primarily for the military is doing us a huge disservice. After doing research on appraisals I later learned that this is a common practice for lenders to accept high appraisals due to higher interest rates, PMI, and more money in their pockets. It's reported on average appraisals can cost consumers an increase of up to 4 % on their real home value. 

I find it no mistake why it took so long to receive my records, nor that my appraisal is incorrect. It is at this time, I am seeking remedy from USAA, who was the loan originator, to review my records and make a fair adjustment. I am a 100 % XXXX veteran, and this oversight / practice is not only costing me my time, but taxpayer 's money, and great hardship since I put down {$10000.00} of my savings for a reasonable monthly payment. 

Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$80.00}
Product: Debt collection

I was sent a letter that XXXX was closing and the bills would be sent to XXXX XXXX XXXX. So I waited for a bill to pay because if they are closing how do I pay. 
Instead of it being sent to XXXX XXXX XXXX  it is sent to collections without notice. I can not get any one from XXXX on the phone after weeks of calling no one answers. I had called XXXX to pay the bill and set up payment and they said it was never sent to them. 
Sca credit services refused to send it to XXXX XXXX XXXX  and claim they never heard of such a thing.also then called XXXX they said I have to set it up online but then I told the guy I dont have a statement to set up the act and he said to Contact XXXX  but no one ever answers So this is nuts. If they dont want my money I cant even do anything about it because they are closed ... the bill is not with XXXX  and I will never send a dime to a collection agency that is attempting to hold onto my bill through extortion and fraud means.
Product: Debt collection

Back in I believe XXXX I had accidently let some medical bills go to collections. I settled with the collection agency. Fast forward to this year XXXX and I am trying to go see the XXXX  for my XXXX  XXXX. They say I can't see them til I pay off my debt. I say but I already paid that collection agency for this. The XXXX advised to call the debt collector to get the information about it being paid then when I. All the debt collector they start talking about " this call is an attempt to pay a debt '' I tell them I already paid it again and now I'm seeing the debt has now popped back up on my report. After they were the ones to remove it when i paid them.And my bank can't go that far back to get the check I wrote to show proof of payment ( they only have to keep them 7 years apparently ) and I don't have that check book anymore either I was XXXX at the time and had just gotten out of high school and have moved a bunch since then. I'm so disheartened about the whole situation I'm a new mom and am just trying to get some medical care so I can feel at least a little okay so I can care for my daughter..
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I have been trying to get a claim the has been reported by NexisLexis on my XXXX   report corrected, It was a hit and run to MY car in a parking lot. I was not even there when it happened. They have it as a at fault collision. I have sent them copies of the letter from the insurance company that states I am not at fault 3 times and I have been told they changed it in my record, but still to this date it comes back as an at fault accident. This makes me have a much higher premium than if it was not on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a 30 day late payment in XX/XX/XXXX late payment thru XXXX on XX/XX/XXXX and heard nothing back about the outcome. On XX/XX/XXXX I sent a second request with copies of my certified letter from my forts request asking them to remove the item since it wasnt investigated in 45 days. This item wasnt removed and I sent a XXXX request in and was told the item was valid. This item should have been removed since the investigation wasnt done timely but its still on my credit report
Product: Debt collection

I asked a collection agency to provide me with proof of debt and the original contract and they never did
Product: Mortgage

We have been attempting to obtain a partial release from NewRez/ShellPoint Mortgage since XX/XX/XXXX when we faxed in all the requested partial release documents to NewRez/ShellPoint. Over the past year we have attempted to get status on the partial release in which NewRez/ShellPoint would give conflicting information or have no updates at all. We have spoke to customer service management on 12+ occasions and customer service on 25+ occasions. Customer service and customer service management is reporting they are not able to get any response from their internal partial release team. Customer service management has left voice mails for the partial release agent ( XXXX XXXX ) assigned to our request and her her supervisor XXXX without any response. We have filed 6+ internal complaints with NewRez/ShellPoint Mortgage via customer service and customer service management that have gone to no avail. Customer service reported that an escalation representative will call us back with 24-48 hours of each complaint and we are yet to receive a single call for any of the complaints filed. On XX/XX/XXXX, NewRez/ShellPoint Mortgage reported that we had submitted all the required documentation and that NewRez/ShellPoint would begin the partial release review. I called back in on XX/XX/XXXX in which Customer service management sent an email to XXXX 's supervisor with no response. On XX/XX/XXXX I spoke with customer service and had no status and filed another internal complaint on our behalf. Again we never received a call back from NewRez/ShellPoint Mortgage. On XX/XX/XXXX I spoke to customer service management again but they again had to status update on where the partial release request was. This day customer service management was attempting a live phone hand off to partial release supervisor XXXX but I was forwarded to Voice mail. I left a voice mail requesting a call back but never received a call back. On XX/XX/XXXX I spoke to 3rd level of customer service management XXXX XXXX and also attempted to contact the internal partial release team again with no response. XXXX XXXX ask that I wait until XX/XX/XXXX to get a response from the partial release team before escalating further. Per XXXX request on XX/XX/XXXX I called back in and left a voice mail message on XXXX voice mail. About 3 hours I called XXXX XXXX back because I had not relieved a call back. Brain was un-available but reported via customer service representative XXXX XXXX that he would call me back " shortly ''. I still have not received a call back. Most of the documentation I have contains very personal information including loan numbers and other sensitive data. I can provide in a secure manner if needed. 

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

You have an account on my file from XXXX that needs to be removed from my credit file. 
In accordance to the FCRA and the FDCPA the information you are to provide on my file is supposed to be correct, but you have information such as the balance and so forth that is inconsistent and needs to be removed immediately. 
This notation is in regards to Equifax and XXXX.
Product: Vehicle loan or lease

In XX/XX/XXXX I received a used auto loan from Capital One Auto Finance for {$24000.00}. As I set up my account with the representative using the capital one 360 account I made a payment online which I thought went through, but unbeknownst to me there was a error and the processing which triggered a string of late payments. These were not knowledge to me as I just started to pay through XXXX to have validation. 

In XX/XX/XXXX I paid off the loan in full. As I checked my credit report through all 3 bureaus to make sure that it has been completed as paid I found that these months of reporting along with a repossession were on 1 out of 3 reports. At the time of me paying it off and it full it showed that it had been paid on time for the last 2 years prior to such after everything got sorted out. In addition, once it was paid in full there was a significant amount of time before the title was received. I have not had the most pleasant experience dealing with Capital one auto from a customer service standpoint and hopefully the resolution will change that.
Product: Debt collection

On XX/XX/2018 my employer received a letter from Converget. In that letter contained the amount of money I owed in debt. XXXX and that the balance was reduced to XXXX. I'm currently employed at the company witch my wife 's father XXXX.
Product: Debt collection

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my right 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 a section 2 also states that a consuming reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Contact to sell XXXX. Contract was for XX/XX/24. Appraiser said and provided appraisal for XX/XX/24. Wrong date. Comps were wrong. One comp was not even a sale. It is still for sale. Appraiser lied on appraisal. I informed Rocket about it. No response. No new appraisal. Appraiser said property was XXXX less than contact price. I called XXXX number of Rocket. Person from Rocket, not management or loan officers looked up property and saw where all online companies such as XXXX, XXXX, XXXX had property price at XXXX to XXXX. Ok those sites are not completely accurate but they would not be off XXXX sense their algorithms pull from tax and MLS system and county sales information to come up with a range. Even the online Rocket person said something was wrong but no one called me back. Rocket contacted buyer agent to say we asked the appraiser to look at it and of course the bad appraiser said it is correct : XXXX less. 
So Rocket is not going to order new appraisal just go with appraiser 's lie.

False appraisals seem to be common and I guess Rocket is in the kick back business with appraisers too.
Product: Prepaid card

I purchased a Vanilla gift Visa card from XXXX ( grocery store ) for {$300.00}. When I went to use it, the card was declined. I created a XXXX account and discovered the balance on the card had already been spent. I immediately disputed the charge. Vanilla told me the dispute would be resolved withing XXXX days. That was 100 days ago. I have called and emailed, but gotten no response. The website says to call the number on the back of the card to see the result of my dispute, but other than confirming that I did dispute the charge, the agents have told me the investigation is still on going, and the are unable to help.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION