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

OnXX/XX/2017 my government credit card was charged twice by XXXX XXXX for the same flight for {$560.00}. When I disputed this charge with my credit card they told me XXXX told them it was a proper charge even though I had a receipt that showed the errant charge. They cancelled my card and threatened to garnish my wages if the money wasn't paid but I again sent them proof that it was a double charge and that XXXX inappropriately charged my card twice for the same ticket. I finally got XXXX to admit the mistake and refund the money but Citibank decided to charge an extra {$80.00} fee to the card. They then received a letter saying my military retired pay was being garnished to pay back {$710.00} which just seems to be a made up number.
Product: Mortgage

I have called multiple times yesterday XX/XX/2024. We refinanced my mortgage with a new lender on XX/XX/2024 and I did the closing XX/XX/2024. We was told I would be reciving a refund of {$3500.00} from XXXX XXXX XXXX XXXX from my escrow account. On XX/XX/2024 I only recieved a check of {$340.00} I called them to see why we received a check of {$340.00} a supervisor told me that {$900.00} were paid to XXXX XXXX tax ( I called the county and verified and they did recieve that payment ) so I told the supervisor where is the rest of {$2600.00} she said {$1800.00} went to FHA or HUD, and that {$200.00} was paid to mortgage insurance in XXXX ( which I no longer had a loan with village capital in XXXX ) I called FHA and HUD and were told that they do not receive and refunds from the escrow accounts. I called again today XX/XX/2024 and they keep making stories up. I want to know where my money from my escrow account. At the end the representative provided me with a break down : Out of the {$3.00}, XXXX which {$900.00} went to the county so I was left with {$2600.00} and {$1800.00} went to HUD or FHA and plus {$200.00} went to morgage insurance was left with {$550.00}. We recieved a check of {$340.00} and on XXXX Village Capiatl paid XXXX to mortgage insurance.
Product: Mortgage

We entered into a home modification loan with Nationstar Mortgage LLC. Their address is XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. The company is giving us contradictory information concerning our mortgage agreement as far as monthly payments, overdue amounts, one person in the company I spoke with said we are 60 days delinquent and we are not then another person I spoke with said he was not sure and that I would have to contact him next week. We sent in our final paperwork which they said they received but there were several items in that paperwork that was different from the original agreement so my wife and I noted several items we did not agree with and signed the documents and sent them in. The person I spoke with said that since we had stated that we did not agree with some items in the contract that it would have to be reviewed. We are not delinquent on our payments during the 4 month probationary period they had us under, they sent us a letter confirming that we had successfully completed our 4 month agreement but they told me those letters were automatically generated by their computer and basically did not mean anything. We do not want to lose our home through some administrative mix up on there part and I had to check myself out of the hospital against my doctors advice to attempt to take care of this matter. I have a XXXX XXXX that the doctors have said could be XXXX but I can not go back to the hospital with this hanging over our heads. My wife is XXXX years old and on XXXX and has been trying unsuccessfully to resolve this on her own, I am also unable to work because of various ailments and a recent automobile accident where a commercial vehicle pulled out in front of me and I XXXX the other vehicle which totaled my car, it was the other drivers fault, I am also XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last several days I have been trying to remove a Security freeze on my Equifax Credit report by either the online method or by calling them and speaking with an oversees phone XXXX. I have literally spent 6 hours speaking to people that say the freeze is lifted then to find out it is n't. I do n't know what to do anymore as there are big problems as each time I call they say it is still on, but they will lift it and each time it is never lifted. To make things worse I believe I have a split credit file with Equifax as it has happened before with them and they are famous for it if you have alot of credit or long history. I tried to pull my own report the last few days and my report shows I have zero tradelines where-as I have over 25 years of credit history many auto loans, CC 's and many other things on my credit report. This just started to happen two days ago when I was trying to get my freeze removed and XXXX tried to pull it once as my freeze was suppose to be removed according to equifax rep., but they got the strangest thing as well a report with no credit history at all like myself under my SSN. This needs to be resolved and I am out of options as no one is willing to help and I do n't believe the oversees CSR know what is going on and just read scripts and are of no help. Please please help me as I am at my whits end with them.
Product: Mortgage

I XXXX XXXX am trying to avoid foreclosure by doing a short sale. I am working with my Realtor to XXXX XXXX to resolve this debt. I am a US Veteran and am currently unemployed. I need to do a short sale to decrease the damage on my credit and for relocation assistance. I have been unemployed for several months and have been unable to maintain my property. My property currently has damage in the interior and has not been review by M & T Bank or the Veterans Affairs ( VA ). We have been told by M & T Bank that an exterior appraisal has been done and came in at {$240000.00}. 

The appraised value of {$240000.00} is for a condo in that complex that has upgrades and in excellent condition. The appraisal that is being used is incorrect and we need to have an interior inspection completed. This current value of {$240000.00} is either a mistake or a fraud value. This situation will cause XXXX XXXX a foreclosure. It is impossible to sell this condo in its current condition at {$240000.00}. As we have told M & T bank several times there is not a buyer on earth that will ever pay {$240000.00}. We believe the current value to be {$230000.00}. We are sending a current sale in the same complex that recently closed a {$230000.00}. XXXX  XXXX was in excellent condition. Please keep in mind due to COVID-19,  were a down market, not up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I HAVE HAD FINANCIAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I HAVE MADE A MISTAKE OF FALLING BEHIND BUT I AM NOW WILLING TO FIX THIS MISTAKE AND CONTINUE MAKING MY PAYMENTS ON TIME FROM NOW ONWARD. PLEASE I AM ASKING THAT YOU CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT IS LISTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear DEPT OF ED/NELNET ; These student loans under my name, ss number and address are reporting are inaccurate, misleading, incomplete, and therefore unverifiable. I request that the following accounts under my ssn house are your database be truthfully validated or rapidly removed or deleted from ALL my major credit report effective now.
Product: Debt collection

Company Information : Company Name : IQ Data International , Inc. 
Address : XXXX XXXX XXXX XXXX, WA XXXX Complaint : Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against IQ Data International , Inc. regarding their handling of a debt that they claim I owe. I was not aware of this debt, nor did I receive any certified letter advising me of my right to dispute the debt. I believe that IQ Data International has violated several consumer protection laws in their collection practices. Details of the Complaint : 1. Failure to Provide Notice of Debt : - According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to send the consumer a written notice within five days after the initial communication, detailing the amount of the debt, the name of the creditor, and a statement of the consumer 's right to dispute the debt within 30 days. I did not receive such a notice from IQ Data International.

2. Violation of Fair Debt Collection Practices Act ( FDCPA ) : - IQ Data International has failed to comply with the FDCPA by not providing me with a certified letter informing me of my right to dispute the debt. This is a direct violation of my rights under the FDCPA. XXXX. Possible Violations of the Fair Credit Reporting Act ( FCRA ) : - The FCRA, 15 U.S.C. 1681, mandates that debt collectors must report accurate information to credit reporting agencies. Since I was not aware of this debt and was not given an opportunity to dispute it, any negative reporting by IQ Data International on my credit report would be inaccurate and a violation of the FCRA.

4. Violation of the Fair Credit Billing Act ( FCBA ) : - The FCBA, 15 U.S.C. 1666, ensures the right of consumers to dispute billing errors, including unauthorized charges. Without proper notification of the debt, I was deprived of my right to dispute the debt under the FCBA.

Relevant Lawsuits : - IQ Data International has faced several lawsuits for similar violations. Notably, the case " XXXX XXXX. IQ Data International , Inc., '' where the plaintiff alleged that IQ Data International failed to provide proper validation of debt and engaged in unlawful collection practices. This case, among others, highlights a pattern of behavior that violates consumer rights and supports my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

For one account ( XXXX XXXX ) it is reporting that my last payment was made on XX/XX/XXXX and that the account was closed on XX/XX/XXXX. The card was closed XX/XX/XXXX. I asked for verification that this account is indeed mine and I asked for the method of verification. I have received no response from them. I reached out on XX/XX/XXXX. No response and nothing change. 

Next account ( XXXXXXXX ) I asked for validation and received no response. Acct is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to delete improper data from my consumer credit report anf file. I have sent XXXX certified letters with proof of improper imformation with the last letter being on XX/XX/2021. The information being furnished is incorrect and is impacting me financially. I never gave Experian permission to furnish any of my private consumer credit transactions and want the following accounts immediately deleted from my consumer credit report and my consumer credit file pursuant to XXXX XXXX XXXX XXXX Permissible purposes of consumer reports. ( a ) IN XXXX XXXX to subsection ( c ) and consumer reporting agency XXXX furnish report under the following circumstances and no other. 
( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 

I never gave EXPERIAN any written consent to report anything on my consumer report, no consent is Identity Theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer. I am demanding a deletion of these accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  card opened XX/XX/2019 amount XXXX XXXXXXXX this account is closed and is reporting inaccurate account number and inaccurate XXXX card limit when opened. I would like for this account to be removed from my credit report for inaccurate info and violation of consumer law 15 USC 1681i
Product: Debt collection

XXXX XXXX XXXX has been sending me collection letters for a past due amount of approximately {$430.00}, that I do not owe. This is a bill from many years ago- approximately 6 or 7 years.They are saying ( when I called them ) that the bill is from a store ( XXXXXXXX XXXX / Comenity Bank ) that is no longer in business. 

1 ) I paid the bill -that was approximately {$120.00} years ago at my local XXXXXXXX XXXX store. 
2 ) No -- I do not have a receipt now as it has been many years. 
3 ) I offered to pay the original amount just to get it off my credit report but that was refused by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have asked XXXX, XXXX, and Equifax multiple times to provide me with the results of the investigation done by their company to ensure that my credit report is reporting XXXX percent accurate. XXXX XXXX, and Equifax are breaking federal law by not providing me with this information. it is XXXX 's XXXX 's, and Equifax 's duty to take reasonable procedures to insure they are reporting XXXX percent accurate. I have asked the companies to provide me with their method of verification which must include periodic statements and notices mailed 21 days before the payment is due and also include personal interviews from neighbors, friends and associates that, shall not include specific factual information. I have not received a copy as proof from any of the Credit Bureaus. XXXX XXXX, and Equifax is causing actual damage to my reputation as well as emotional distress.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

I've have written to XXXX, XXXX, and TransUnion by certified mail many of times to reinvestigate this account : XXXX XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A states, " I have the right to privacy ''.

15 USC 1681 Section 604 A Section 2. It also states, a consumer reporting agency can not furnish a/any account without my written instructions.

15 USC 1681c ( A ) ( 5 ) states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is in accurate.

Also, they aren't even in compliance with metro 2 reporting. I have evidence to prove my case.
Product: Debt collection

This month XXXX XXXX I already paid the insurance and still got two lat fees. I called us bank about the cashier check and they said check was good. I deposit check but usaa stop it. Giving me a fee plus another fee and another fee..
Product: Credit card or prepaid card

Balance transfer requested with capital one credit card for XXXX requested on XX/XX/XXXX posted to my account as balance on XX/XX/XXXX with capital one. During the transaction there was no notification as to a 10 day waiting period for balance to be transferred. No full disclosure. I requested an electronic transfer. They issued a check which has not been received as of XX/XX/XXXX by XXXX credit card. I asked Capital one to remove the balance until the check is cleared and funds have been recieved. They refused. I now have a balance on both credit cards.
Product: Credit reporting

This medical bill was paid to another collector and Ohio XXXX has been unable to provide an accurate statement that it is a valid charge. I told State Collector to return the collection to Ohio XXXX and they have not sent the disputed charge back to Ohio XXXX. It is not a valid collection and should be removed from my credit immediately.
Product: Mortgage

1. Bank of America resolution specialists will not provide me with requested contact information, i.e. Emails, phone numbers, to BofA executives and CEO. 

2. XXXX XXXX, manager of XXXX XXXX ( my assigned account specialist ) ( XXXX ) XXXX will not return phone calls. I left over XXXX messages. 
It 's my right as a consumer and customer to request and receive this information. Not returning calls has prolonged my loan and now will cost me thousands of dollars more a year.
Product: Mortgage

Shellpoint Mortgage is clearly trying to defraud me out of money. We had our mortgage through XXXX XXXX. They sold our mortgage to ShellPoint. We have a fixed rate, and our principal/interest payment has always been XXXX per month. We have since escrowed our homeowner 's insurance, which should be XXXX per month. Shellpoint has taken this opportunity to steal money from us. Our mortgage should be XXXX and that is what it was when we had an escrowed homeowner 's insurance through XXXX XXXX. We called our homeowner 's insurance company and they verified for us that our annual payment is XXXX. Divide that number by XXXX, and you get XXXX. Simple math ... Shellpoint is literally stealing from us. I want to file criminal charges against them. How can I do this?
Product: Money transfer, virtual currency, or money service

XXXX owns XXXX XXXX XXXXXXXX in XXXX. They held XXXX for room incidentals. My daughter had XXXX there. We traveled home and I couldnt work. Cash app said the hotel hadnt released it. I called the XXXX and XXXX who confirmed it was released the day I checked out. Then cash app said to get something with the XXXX letterhead and address with a XXXX balance and they would release. I cant ever get a XXXX but the few times I did they would say the same thing- I told them XXXX times and resent the invoice and they still wont release the funds. They just drag it out until its released at the XXXX day mark I think - no one will help me. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I defaulted on a Navy Federal Credit Card. I had been unemployed with no funds to pay. Finally got a job, catching up on household bills and kids needs. Navy federal took my paycheck of {$1700.00}. I was aware that I defaulted but never was told that they could take a huge check in that amount. I pleaded with them to reverse my pay check because they were leaving me with no money for food or gas. They refused to reverse it but said I could set up future payments. I explained to him I was trying o get on my feet and that I would set up a payment but to please reverse the funds.He refused. I think customers should be aware of this clause because I wasnt until after they took my pay check. Who gives them the authority to take a whole paycheck, they should not be able to take over a certain amount because they havent even sued me. No judge gave them authority to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CPB Complaint as a formal request to Equifax Credit Bureau to remove the disputed accounts completely from my Credit File. Under the Fair Credit Reporting act, Credit Reporting must report accurate information only. Also, the disputed accounts are only reporting with Equifax Credit Bureau and are already removed from other Credit Bureaus. Once again, I need to remove the following accounts completely from my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and remove.