23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2016 : Applied to refinance my house with USAA, locked in my rate 3.5 %. 
XXXX/XXXX/16 : Received my application packet with all of the documents needed in the mail, including my intent to proceed. Expiration date of application packet was XXXX XXXX, 2016. 
XXXX/XXXX/16 : I uploaded all of my packet including my XXXX, income statements, intent to proceed, everything. I used USAA, so they have a digital portal to which I uploaded and indicated that I was done. The prompt said " Thank you! If we need any additional documents we will contact you. Check back to see the status of your mortgage application. '' XXXX/XXXX/16 : I get an email from loan originator XXXX XXXX XXXX # XXXX saying " I see your loan estimate has been delivered, please respond to this email with yes it is my intent to proceed '' I replied and told him I uploaded everything and yes it was my intent to proceed and asked him to please let me know if he needed me to submit the packet in any other format. NO RESPONSE. 

XXXX/XXXX/16 : I receive a denial letter in the mail stating my application was incomplete. I call and spoke with another originator XXXX XXXX who says " Oh yeah, I do see here you submitted everything on XX/XX/XXXX ... sorry about that. I 'll be happy to start another application for you, mortgage rates have gone up though. '' The increase in mortgage rate will cost me approximately {$7300.00} ( this does n't include the {$6000.00} in closing costs ). And they will have to run another credit inquiry. I was told by the manager " the individual has been reprimanded for his errors. '' However, I am the one who is paying the price for his errors.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I transfered {$30000.00} from my bank to Citi Bank on line to open a new account for a 3 month promotion to get a {$600.00} bonus. During the next three months this unknown person continued to transfer money out of my account in the amount of {$20000.00}. When I went to withdray the money they told me that the account balance was XXXX. Someone had stolen my personal information. On the XX/XX/XXXX. I received a letter from Citi Bank that my fraud claim had been approved and honored. I contacted their consumer fraud dept. on XX/XX/XXXX. and was told that they needed documentation for the claim at which time I contacted the vice president branch bank manager and I am still waiting for my funds. Please Help.
Product: Credit card or prepaid card

I purchased 3 products from BestBuy on XX/XX/XXXX and used My BestBuy credit card issued by the Citibank for their 18-months no interest payment plan. The customer service desk person at the local BestBuy store in XXXX, NC had set up {$85.00} monthly installment for the period of XX/XX/XXXX through XX/XX/XXXX. I was not informed why and how they set up this monthly {$85.00} amount. At the end of the 18-months plan, in XX/XX/XXXX $ XXXX a balance payment, which they never notified me and charged an interest of {$550.00}. So, total balance went up directly to {$700.00}. I noticed this unfair business practice in XX/XX/XXXX as I saw that my monthly payment was and is still being paid from the autopay arrangement. 

I went to the local BestBuy store in XXXX, NC and reported this issue to their customer service desk. Although, My BestBuy card was issued and all the business was done at their desk, they refused to accept their responsibility and said that " this issue is with the Citibank and we can't do anything. '' So, I talked to the Citibank customer service over the phone. As problem did not resolve, two days later I again called Citibank customer service and this time talked to their supervisor. She was little considerate and said that she has put a note for her supervisor ( so, it was supervisor 's supervisor ) as he was not there due to the weekend. I again called on Monday with reference to that note. But the person that time said, they can't do anything and closed my account without any resolution and reported to credit bureau that will affect my XXXXredit score, which I earned over a decade with honesty. 

Now I am helpless to know, XXXX. Why and how monthly installment of {$85.00} was set up without my knowledge and XXXX. Why I was not notified at least once of the balance amount of {$150.00} that I could have surely paid right away and avoided these complications. My history with them is all loyal and clean. This is ridiculous that an interest of {$550.00} is charged on the balance of {$150.00} and no one is taking responsibility to treat me fairly. 

Hence, I am reaching out here to seek justice for me. 

Thank you Best regards
Product: Credit card

I have ensured that payments for this account are always made on time, with none ever becoming overdue. I am unsure why there are reports of late payment remarks on my accounts. Based on 15 USC 1666b, this billing error needs to be corrected.
Product: Debt collection

KPAssetconsulting.com called family members multiple times threatening that I was XXXX XXXX XXXX  and that I was being served and ti have my ID ready and they were showing up at my work, at my payroll department, they were government officials coming to serve me..multiple different fraudulent lies to multiple family members. I called them and left a message on Friday XX/XX/24 and they still continued harassing my family after this including this morning. When I called them they hung up on me and I repeatedly called back and they would keep hitting the number button over and over again. Continued threatening to come to my job and house and send police to my home. I dont have a job and we told them to go ahead and come to the house. Its all lies. They made my mother in law cry she was so upset thinking XXXX XXXX XXXX XXXX This place is all over the internet using these practices. Theyve been told Im filing bankruptcy and continue to harass. Im seeking an attorney to sue them for lies regarding a debt I have no idea what its for.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information regarding the account XXXX XXXX XXXXXXXX XX/XX/year> as reported on my credit report. I have identified that these entries XXXX not comply with the Fair Credit Reporting Act ( FCRA ) requirements, specifically Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 
According to Section 605B of the FCRA, any information that is inaccurate or incomplete must be promptly corrected or deleted. I have reason to believe that the negative history reported for my student loans does not accurately reflect my payment history and should be investigated.

Additionally, under Section 615 ( f ), I am entitled to request that the information related to these loans be verified or deleted if the creditor is unable to provide sufficient evidence of its accuracy. Furthermore, Section 623 ( a ) ( 6 ) requires that furnishers of information conduct a reasonable investigation when a dispute is raised.

I kindly request that you investigate this matter and provide me with a written response, detailing your findings. Should you find that the information can not be verified, I expect it to be removed from my credit report in accordance with the FCRA.

Thank you for your prompt attention to this matter.
Product: Mortgage

For the past three years since I have owned the property, Ameris bank has sent repeated requests for the flood insurance coverage for my second floor condominium apartment. It usually takes submitting the information it four times before Ameris is finally able to successfully process it. 

In XXXX, they actually improperly force-issued a policy and used the inflated figures to calculate the monthly PITI payment going forward. I was able to get those errors corrected although it took a considerable amount of my time to do so. 

In XXXX, I again had to submit multiple copies before they were correctly processed. 

This year, the company started sending requests in early XXXX XXXX letters dated XXXX received XXXX, XXXX received a couple of weeks later and XXXX ). In response to the initial latter, I had the condo association send a copy of the insurance for the unit. This was never acknowledged as indicated by more letters from the bank. 

On XXXX, I submitted XXXX more copies, by mail, fax and web page, none of which were ever acknowledged. I also sent a copy to the Ameris RESPA address but no action resulted from that either. 

On XX/XX/XXXX, I spent about XXXX minutes on the phone trying to reach the Ameris insurance department. I was only able to leave a message but was assured that I would receive a return call " within 24 hours ''. No call was received but I did receive an email message indicating they have once again force-issued a policy and have improperly charged my account {$1600.00}. [ But this is meaningless coverage since my apartment is on the second floor and any areas that could be damaged by flood are owned by the condominium association. Note that the policy charge for the entire 16 unit building which includes 8 first floor and 8 second floor units is only {$5000.00}. I have never received a copy of this claimed flood " policy '' and wonder if it even exists. ] Today, I attempted to send a fifth copy by email to the Ameris insurance department prior to filing this complaint but it bounced. I send another copy through the loan servicing portal but received no acknowledgement that it was received.

I am asking that the errors be corrected now and going forward and that Ameris be sanctioned as much as possible due to the extended pattern of misconduct.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Vehicle loan or lease

Today XX/XX/20 I get a statement from citizens one bank and it showed a balance of {$800.00} ( 2 months payment ) Ive been making payments on time and Im trying to figure out why it is showing 2 months payment due and one being late? I was able to review the last few payment from my deposit account and the last one XX/XX/20 payment was made for XXXX and a payment around XX/XX/20 for XXXX. My payments are due on the XX/XX/XXXX of each month, so Im not understanding why it is showing late. I called today and say on hold for OVER 45 minutes for someone to pick up the line and hang up. I figured maybe if I report my issue Ill get a answer to my problem.
Product: Credit reporting or other personal consumer reports

I went back and forth via email with Conns XXXX during the Hurricane to catch up an account that was approaching 30 days but I couldn't update the payment information because I couldn't get some banking things cleared up. Additionally, the item was damaged in the storm so I was trying to get insurance information that was on my account. Email customer service was no help and I couldn't get anyone on the phone. Nevertheless, I caught the account up. Almost a week later after that payment that brought everything current, my credit report now show a 30 day late payment. I do not believe this is fair given the circumstances and Conns bankruptcy has taken customer service offline so it's hard to get help.
Product: Credit reporting or other personal consumer reports

Attention EQUIFAX I have contacted 2 times to have this removed I was used as an Authorized User i did not give permission to be a authorized user. XXXX, XXXX looks like the limit was {$300.00} and it closed XX/XX/2023, I don't know the account number. this account is showing on my credit report Please remove and restore my credit score points that was taken
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU SERVICES is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. I will attach the dispute letter mailed to the company XX/XX/23 which is dated, and time stamped. Credit Bureau Services failed to respond to debt validation letter as well as the cease and desist. Delete the account CREDIT BUREAU SERVICES XXXX from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, XXXX XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX and XX/XX/XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXXXX/XX/XXXX andXX/XX/XXXX. 
On XX/XX/2019, CAPITAL ONE add a hard inquiry on my credit report per XX/XX/XXXXXX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I had an account with Coinbase Global IncXXXX since XXXX. The last time I logged into my account was XX/XX/XXXX. The last time I attempted to log into my account was on or about XX/XX/XXXX. The email I use for the account is no longer recognized. I have filed an online complaint through the Coinbase website. After sending the complaint there is a notice that indicated there is a high volume of requests and they will contact me when they can and not to submit another request. I have not been contacted by Coinbase to date.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over XXXX DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter demanding the following accounts be verified or removed immediately. I received no response from Equifax. But I sent this request certified mail and it was received by them. I have waited the time allowed for a response. I now demand that the following accounts be deleted and removed from my Equifax credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Checking or savings account

On XXXX XXXX two accounts were fraudulently opened online in my name at Wells Fargo. The SSN used to commit this fraud matched mine but the Drivers license did not match and the email address originating the request was not the one the bank has on file for my account. Even so the bank opened the accounts!! The accounts have since been closed and after weeks of stress and inconvenience I have changed all of my accounts, direct deposits, email etc. that were in jeopardy as a result of the fraud. The bank also emailed me a notice identifying all my direct deposit information and account numbers as a " reminder '' to switch them to the new accounts I had to open, Making me further vulnerable since the type of fraud I experienced was an online take over! Wells Fargo 's on line practices for opening new accounts are irresponsible in this day of hightened on line fraud and clearly do not protect their customer. It is a sharp contrast to their in branch practice where you have to present picture ID to open an account. My husband XXXX XXXXy XXXX XXXX, in XXXX I went into my local branch to remove his name and add my daughters to my accounts. In order to accomplish this my XXXX daughters had to appear in the branch WITH me and PHOTO ID. It was n't acceptable for one of my daughters to go to her local branch. This took some coordination to have the three of us come in together but I understood it was a safeguard. Why do they handle there on line business so casually when the risk for fraud is so much higher!! I wrote to XXXX XXXX ( Wells Fargo CEO ) about my experience and concerns on XXXX XXXX and received a response on XXXX XXXX from a research/remediation associate. It was clear they did not understand my complaint, and that it will not affect change in there policies. The most ridiculous part was there response to sending my full account numbers and direct deposit information in an email. They blamed the direct deposit originators ( social secrity, my pension and my healthcare reimbursement account ) for putting the information in the merchant details. Wells Fargo cleary was wrong in sending such an email, I did not request it nor need it. The letter did not acknowledge any wrong doing on the part of the bank, it felt patronizing. The way the fraud came to my attention was a call from the XXXX fraud unit because my XXXX with them was used to fund the checking account that was opened. When a second attempt was made, this time to open a savings account, it raised a red flag for XXXX and they contacted me. Thank goodness for XXXX fraud unit, Wells Fargo did n't even care that the Drivers License did n't match and it was n't my email address. When I take a breather from all of this upheavel I will change banks. It is n't necessary for you to forward my email to Wells Fargo, I do n't think they will care. My complaint is for the purpose of adding my voice to others who may have spoken up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over 30 to 60 days later I have not received a response yet.
Product: Student loan

I have been trying to defer my loans since we were made aware that forbearance was ending in XXXX, when I got in contact with the loans ( because their website was out of service for a couple of months ) they asked me to contact the school to provide information. The school informed me that there is nothing else they need to do since they have done everything on their end to prove I am in school. I have since not been able to get in contact with Edfinancial because their live chat is ALWAYS unavailable. Their call center is a long wait time and I never receive the requested call back. When I do wait for an agent I waited for two hours before I gave up, requested a call back and again, never receive it. 
Whenever I go onto their new website I am always unable to upload any documents such as a deferment form because when I upload, the website crashes every time without fail. I can not do anything to fix my problem because I either cant reach someone to help or the tools available to help myself are broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus the XXXX XXXX and several other data collection systems noted on the ftcc website are refusing to correct inaccurate information and only want to steal information to continue I am not volunteering any further information they will find my files they will correct the problem they will delete the inaccurate information or they will pay me XXXX XXXX per violation. If I catch any Bureau pulling another one page stunt as if they are openly refusing they will get sued immediately.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ). 
Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.