23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good day, I applied for home mortgage at Wells Fargo bank and had a so bad experience. I came to the branch at XXXX XXXX, Florida at first time in middle of XXXX 2017. I was honest and told to consultant XXXX XXXX XXXX XXXX that I 'm single mom, my average salary is XXXX $ per month, I do n't have a long working history in the USA and I need to use first home buyer program from XXXX county for down payment. He was polite and nice, so he sent my application for pre-approve and I 've been pre-approved. When I found a house, my consultant suddenly realized that I do n't have 2 years experience in the USA, but in few days he said that I should be ok. We started process. I signed documents with the seller and paid XXXX $ deposit, paid XXXX $ for house inspection, signed documents in the bank and started to wait decision. For couple of weeks I did n't hear from anybody, so I started text to mortgage consultant and realtor XXXX XXXX XXXX XXXX nobody answered. Finally XXXX ( mortgage consultant ) picked up phone on Monday,XX/XX/XXXX. He told me that he is going to have answer for me in couple of hours from the XXXX county assistance program. ( Note : Seller knew that everything is cancelled at this moment because he got phone call from realtor almost one week earlier. So, while I tried to find information everybody knew already that everything is cancelled, but nobody told me truth, just ignored me ). XXXX did n't call me that day and next day, he did n't pick up phone. I emailed him on Wednesday XX/XX/XXXX and got answer : " Hi XXXX, Unfortunately we are not able to provide XXXX county assistance now. We have to get re-approval again because the one we have expired ''. So, how does it come consultant did n't know they ca n't provide XXXX county assistance? I spent time, money, refused to get new job because of mortgage process for nothing. If he saw that I 'm not qualify for mortgage due to not enough experience, small salary or other why did n't he tell me truth at first? Why I got answer after wasted time and money? He is consultant and his job to help.
Finally, in almost two months of waiting I do n't have official decision from the bank or XXXX county assistance program, I have just consultant 's " unfortunately, we ca n't ... ''. Due to this situation I lost a good house at good and safe location as well. Please, do investigation and give me answer on this situation. <P/>Thank you and have a good day. <P/>Kind regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a private student loan with XXXX XXXX XXXX ( XXXX ), which I pay on time. However despite the fact that I pay on time, I was reported 30 days late in XX/XX/2019. I contacted the company three times and spoke to 9 different " supervisors. '' They repeatedly assured me that my account correctly reflects that I was not late and denied reporting to the credit bureau that I was late. They sent me two different letters confirming that in XX/XX/2019, my account was in good standing and advised me to dispute it with the credit bureaus. 

I filed two disputes with all three credit bureau agencies and each time XXXX confirmed that the late payment was correct. I advised XXXX  of this and they once again denied it. I was denied a loan because of my " late payment history '' so this error is negatively impacting me and causing me an extreme hardship. I am trying to get this resolved ASAP. Thank you.
Product: Mortgage

My mortgage is with Chase Bank. 

This is the second time they have caused my home owners insurance to lapse due to late / non-payment of my annual premium from my escrow account which has sufficient funds. 

In the first instance, they showed the payment as deducted from my escrow account, cut a " group check '' to my insurance company, and then canceled the check prior to it being received/cashed by the insurance company. They did not cut a new check and therefor my policy was cancelled for non-payment. I missed the communication from my insurance company and ended up with penalty fees and a higher premium due to a lapse in coverage + a timeframe which my home was not under coverage ( we live in XXXX where hurricanes and natural disasters are not uncommon making this NOT OK EVER ). This took over a month and a minimum XXXX phone calls with Chase and the insurance provider - including XXXX way calls to resolve - time I will never get back... 

Fast forward to this week and I receive a notice from Chase saying my insurance has lapsed and to either send proof of insurance or risk being placed on mortgage backed insurance at and even more astronomical premium than I'm already paying due to their error mentioned before... I also receive a notice from my insurance provider saying the premium was DUE on the XXXX. Well, I check my escrow account and it says they paid on the XXXX. Upon inquiry, they paid by MAILING a check which means of course my premium will not be received by the due date - ensuring late payment and yet again, a lapse in my home owners coverage. 

In both instances, I had to pay my home owner 's premium directly to the insurance company ( via XXXX or ACH ) IN ADDITION to the money I already paid into my escrow account to cover the expense. Luckily I'm in a position to be able to pay it twice and await a refund but most people are not and should not be placed in a position to have a lapse in home owners insurance because CHASE BANK cant seem to process escrow disbursements in a timely and efficient manor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity thief and have a police report supporting this fact..I have contacted TransUnion multiple times to have them correct the fraudulent inquiries on my report to no avail..the following inquiries were not made by me nor have anything to do with me..XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Today, XXXX XXXX, I received in the mail two unsolicited credit cards from Citi for one account. One of the credit cards bears my name. The second credit card bears the name of a person unknown to me.

I called the " customer service '' number on the card but the telephone tree demanded either my social security number or " the account number ''. When I refused to provide either, the recording told me to call back when I had the information.

Under " Billing Rights '' on page 16 of the statement, I am told to write a letter to the address found on the first page of the statement. There was no address on the first page. I could not find an address on any of the 16 pages.

I am concerned that an unsolicited credit card in my name could have fallen into the wrong hands and that Citi seems to think that I would authorize a card issued to someone that I do not know.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_/ NEVER FILED_______ Account Amount_ {$7500.00} Account NameXXXX XXXX Date XXXX Account XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT/NEVER FILED Account Amount {$58000.00}
Product: Checking or savings account

I attempted to clarify a technical issue using my debit card to make a purchase from Farfetch.com on XX/XX/XXXX in the amount of {$890.00}, the live chat rep by the name of XXXX stated my account does not have sufficient funds as of today, XX/XX/XXXX, transaction was authorized on XX/XX/XXXX when account had sufficient funds.. The account showed a pending charge in the said amount, {$890.00}, from XXXX on XX/XX/XXXX. However, I received an email from the merchant today stating order was cancelled for security reasons, their rep stated there is no block on their end and after looking into it further, Citibank declined it for whatever reason ... I suspect it was decined due to high amount, location of merchant, and or past fraud charges from another merchant which I reported recently and prior debit card ending in XXXX was closed out.. XXXX did not understand what I was explaining, the account was authorized, account had sufficient funds to cover it on XX/XX/XXXX, it was cancelled by Citibank..It appears to be a technical issue or Citibank flagged it because of amount and or location of merchant..As stated before, I attempted to clarify this but the live chat rep did not understand.
Product: Debt collection

My situation may be unique. I was not harassed by the debt collector. I actually called them to discuss resolving the debt I owed. The man on the phone made an offer to settle this debt, and I asked if I would receive confirmation prior to giving him my bank information the debt will indeed be settled for this agreed upon amount He would not offer that reassurance. My concern was that I actually had some sort of agreement, not solely verbal. He said he would send it out only AFTER my bank information had been given. An email would have sufficed for me. He spoke with his supervisor who stated only AFTER would I be given a written agreement for the amount agreed. I was concerned I would have no evidence this would have been settled for the amount agreed upon and contacted further. I was not asking to have evidence of " Paid in Full ' sent prior to the funds being sent, but a written agreement, brief, and even emailed for my own assurance a settlement amount. The customer service rep I spoke with stated he gets calls from customers like me all day long ... and clearly frustrated. We all have to protect our own interest, why would this be so complicated? The man stated to call him back when I am ready to settle this debt. I was. I dont think this is an unreasonable request. Do I have any recourse? In addition, the representative stated this debt leaves his dept by Monday, so I was feeling a heavy rush. I don't know where the debt goes from there.
Product: Credit reporting

Experian states they have verified information that is incorrect. I have called them and am told that all they do is electronically send messages to the creditors who pay to put the negative information on their site and they check yes or no for the verification. This is not validating a debt or address, etc.! There are items that the other bureaus removed that Experian refused to remove!
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank has been incorrectly reporting a charge-off on my credit report to credit bureaus, which I have been disputing for the past 6 years to no avail. They report that the credit limit was {$14000.00} but the charge-off amount was {$18000.00}. On XX/XX/XXXX, Citibank sent an IRS XXXX Cancellation of Debt, which contradicts their false reporting : 1. On the XXXX, Citibank shows a balance of {$14000.00}, which contradicts the {$18000.00} they report. 
2. On the XXXX, Citibank falsely claims the " date of identifiable event '' is XX/XX/XXXX. 
3. On the Credit Report, Citibank falsely claims the " date of major delinquency reported '' is XX/XX/XXXX. 
4. On the Credit Report, Citibank falsely claims the account was 60,90,120 days in XXXX. 

The scheduled payment amount, balance, amount past due, charge off amount, date of first major delinquency, history are all false. Further, Citibank refuses to report months when account was paid on time. Citibank refuses to report accurately in an attempt to re-age account.
Product: Mortgage

XXXX is missing from our payments. We have asked for the statements and they refuse to give them to us. We have ALLLLLLL the proof you need. We have sent certified letters, emails, and a dozen of phone calls. They will not respond. 14 years of statements all of a sudden come up missing. They stole XXXX from our payments over 14 years. 

Their attorney a month ago said he would send the missing statements. They never sent anything. I emailed them 9 times and no response. If I try to call them it just goes to voicemail. I have left about 10 messages so far and no return call. It is pathetic. They need to be closed the f down or be in jail. I will send all the proof you need from bank accounts, emails, and phone records. We are sick of them and their greed. 
I want the deed to our home or the right to sue them. 

We are beyond XXXX off. They illegally charged us XXXX dollars to make payments when it was XXXX. They refuse to respond to us. 

We have paid in advance over XXXX. We are not behind but I did not know what to check on the complaint. We need help with them stealing from us. I promise you they are thieves. I want the deed asap or I am going to sue the sh -- of them. Thou shall not steal!
Product: Credit reporting, credit repair services, or other personal consumer reports

TAKE JUDICIAL NOTICE OF CASES : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has continued to violate the law as there continues to show a Public Record that is not furnished or reported from a reliable source with 1st hand knowledge. 

Also anyone can produce a phone number to the court but WHO did you speak to at the court to verify the accuracy of this Public Record and furthermore the courts DO NOT SEND DATA TO YOUR FIRM!! 

XXXX  and XXXX  both have removed the public record ... .why are you still causing me harm and damage? 

The New Jersey class action claimed Equifax violated the Fair Credit Reporting Act by sending letters that falsely told consumers that it confirms the veracity of disputed public-record information by contacting the source a county court, in this instance directly. 
In reality, however, Equifax never directly contacts the public-information sources, and uses a third-party company to investigate the disputed information, the suit claimed. 
In response to a consumers dispute regarding the accuracy of a public record, it [ Equifax ] never contacts the original source of the information, but rather contacts the private independent company that it never discloses to the consumer, according to the suit. 
Under a settlement agreement given final approval by U.S. District Judge XXXX XXXX Wednesday, Equifax will not represent that the government and/or any court or courthouse is a furnisher of information in response to a consumers dispute ; will not represent that the government and/or any court or courthouse was contacted directly by Equifax in connection with any consumers dispute ; and will not represent that the government and/or any court or courthouse actually investigated a consumers dispute. 
Lead class counsel will receive over {$1.00} million, and the three class representatives will receive {$15000.00} apiece, according to the terms of the settlement.
Product: Credit card

My complaint is with Discover Card. I have been a card holder with them for over 4 years and have never missed a payment, I always pay on the due date and receive email reminders regarding the account. I simply made an oversight on my bill due XXXX XXXX, 2015. I had gone on their website, as normal on the due date and inadvertently, I did not hit " submit '' after entering my payment information. I realized I had made an error the following day and promptly scheduled the payment one day past the due date. I asked them via chat and an email to wave the late fee due to my impeccable payment history. They declined both the requests and advised me of email alerts again which I already have set on the account. I feel they are being unfair because I was an authorized user on my spouse 's discover credit card account that fell behind and he recently had to file bankruptcy due to an under performing business that he shared ownership in. He is listed on my account as an authorized user as well. I am also a former employee of discover and was given a very low fixed interest rate on the account. I feel this is also a factor as about a year ago they lowered my credit line sighting too many balances close to the credit line which was not the case as most of my other creditors raised my limits around the same time without me even requesting increases. The decrease on the credit line also mysteriously got lowered at the same time my spouse 's discover account had fallen a couple payments behind. So I feel that they are using his history and his bankruptcy to treat me unfairly as well. I 'm quite sure they have treated other former employees the same and are using very deceptive practices. They also do n't follow FDCPA regulations because when my spouse 's discover account was in collections they would at times leave more than XXXX message per day on the same phone number which is not in compliance with FDCPA regulations. All I want is a {$25.00} adjustment from a company who makes XXXX of dollars. It is not the monetary value of the late fee that is discerning rather the blatant disregard for a customer of 4 years who has never been late previously. In essence I feel that because of the card act and my low fixed interest rate and their inability to raise the interest rate without just cause, that they are bullying me into voluntarily closing the account as they are not able to make a significant profit off of my credit card account as the operations cost are somewhat equal to the revenue they generate from my account. With ten years experience working in the credit card industry for several of the world 's largest credit card issuers the general rule of thumb is that customers are eligible for a courtesy late fee waver once every 12 months for an open account in good standing. They failed to adhere to the rule of thumb in this case. With these unfair practices I find it hard to see how Discover has a reputation for delivering superior customer service with ratings just behind XXXX XXXX. I do n't intend to sit back and let discover bully me as a consumer.
Product: Student loan

GREAT LAKES..wanted me to pay XXXX a month ... I stayed can't pay that much.. then I was given a plan to pay XXXX for 2 yrs ... .bit as I'm paying this amount nothing is going toward the loan..the loan increases ... .then the other plan was THE ONLY WAY I CAN HAVE MY LOAN NOT TO INVRRASR WAS TO PAY XXXX. A MONTH FOR 4YRS ... THIS IS NOT HELPING..I 'M SURE NOT YHE ONLY ONE..WHO HAS BEEN FAST TALKED INTO NEVER ENDING CONTRACTS ... THE GOAL IS TO PAY BACK THE LOAN..NOT KEEP IT ... IT NEVER GETS MONEY DEDUCTED..I HAVE BEEN PAYING ... BUT NO CHANGE ... IT WRNT FROM XXXX TO XXXX ... PARENT PLUS LOAN..
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address and phone number XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX All application as not been turn down do to my address not on my credit file I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of two bills Please delte this number on my allert its not my number XXXX Please delete the address bellow they are not my address ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX Please correct this phone number on my fraud alert to XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
XXXX XXXX ss # XXXX dob XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX