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

I had two accounts with Citi bank, one was as double cash credit card and the other was a Sears credit card, I had been saving my cash back for a special occasion and had accumulated {$1400.00} in cash back rewards ( last statement attached ), on the Sears card I was also saving my points and had accumulated XXXX Citi thank you points ( last statement attached ) which are equivalent to a {$740.00} gift card. Out of nowhere Citi decided to close my accounts and they refused to give me my {$1400.00} cash back nor my XXXX Citi thank you points stating that when an account closes I forfeit any cash back and points. I have the card agreement for Citi and there is no forfeiture of rewards disclosure ( agreement attached ). Secondly, the card agreement states Citi may cancel my accounts for no reason or any reason, I asked for a formal reason from Citi as to why the accounts were closed and they did not state it was for no reason which I understand does fall under the card agreement parameters, instead they stated the cancellation for both accounts was simply due to me paying my balance via money order ( cancellation reason attached ) which is in violation of my rights as a consumer. All in all I belive its an unfair business practice for Citi to garnish a total of {$2100.00} in rewards that rightfully belong to me. I have reached out to them and offered to submit any documentation they desired in order for me to keep my accounts opened or in order for me to receive my earned rewards but they declined.
Product: Vehicle loan or lease

On XX/XX/2020, my vehicle was totaled. My insurance company has been trying to get a letter of guarantee for 3 weeks so that they can release a check to payoff the loan.

Requests have been mailed and faxed multiple times and no response is given from TD Auto Finance. 
I have attempted to call as well as my agent. Each time we get transferred around and have hold times in excess of an hour and still can not make contact with an actual person who can send this information. They won't speak with the agent because he is not on the loan. 

My agent and I finally got a representative who was supposed to be in the correct department but because we were on a 3 way call she stated she could not speak to us and hung up and was extremely rude. The customer service at this place is awful. I have never been late on a payment and have been an exceptional customer, and can't even get a letter of guarantee. If you are a company that originates and services auto loans, you should have a process for scenarios such as this. I can't be the first person that has had a car totaled out and needs a letter of guarantee. Can someone please help me get a letter of guarantee so we can get this issue closed out as soon as possible. My insurance company is literally waiting on you to issue a check. My account better not be reported late because your company can't figure out a process to answer customer calls and issue letters of guarantees in a timely fashion. I will never bank with this company again, EVER.
Product: Mortgage

I have my mortgage loan with Bank of America. This is the second time I submit a complaint against the bank, when they send a letter to me threaten of losing my house. I am making payments faithfully every month, as evidenced in the attached document, however, their harrasing practices of sending certified letters to my house for " missing one payment '' are not absent in the past two years. 

Two years ago, I filed a complaint because Bank of America kept denying me the right to file for a Home Loan Modification. Afterwards, this loan modification was approved for the amount of approximately {$1700.00}. I pay every month {$1700.00} through my bank. I filed for bankruptcy in XXXX, 2015, but continued making my mortgage payments without missing one, and as stipulated in the borrower agreement. Today, I received a threatening letter of foreclosure because they have n't received the current payment, which I have the right to pay XX/XX/XXXX. 

If further documentation is needed, I will communicate with my lawyer who has all my financial paperwork, included the agreement of Bank of America for the beforementioned loan modification.
Product: Mortgage

Sls llc started to service both first and second mortgage, within 90 days of each other 2016 ish at that point. Problems were.lapse of insurance to they wanted me prove what kind of mortgage Ie a fixed rate for 2 second mortgage with no fee being they bought it months after in-house refinance happen with detect They won't let me talk about my second mortgage til I fix my first one, when I did they want all up front with fees, That was unrealistic to ask imo, So now that I stay up date with first it got sold to sps llc , and now they " refinance " my second with all these fees.in it again, Plus they are charging me a second escrow every month which keeps changing... 
I told them to see the date of deet of trust to see who the first and second mortgage are. But they weren't having it said once again I have to send in.more paperwork... 
In times.my 2 mortgages can be almost XXXX dollars and the loan .not sure y I have to again for the tenth time about the loan... 
And the fee are wow
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I applied on line qith my current mortgage company for a 2nd home loan. I was denied. Immediately, after that I started getting calls from representatives from XXXX XXXX but in a different department attempting to offer me a new FHA rate. I said no to at least 3 different people and I asked them to remove my information but that did not happen. So on XX/XX/2019. I receive a call from another XXXX representative XXXX XXXX and I finally agree to listen to his sales pitch but it would have to wait until XXXX later that day because I was at work. I explained to XXXX that I did not want my credit ran a 2nd time because his company had just ran my credit 6 days ago and he should be able to use that. At XXXX XXXX, XXXX I get a notification that a hard inquiry had been added on all 3 credit reports. Shortly after I get a call from XXXX. I advised XXXX that I did not authorize another inquiry and I am very upset by this. I asked them to contact the agencies and have the inquiry removed due to it was unauthorized and fraudulently pulled. Matter of fact it was done without me being on the phone. XXXX 's superior was listening in and took over the call. He argued me down that this would not impact my credit. I advised him I dont care I want it removed because it was done without my knowledge and consent. He continued to stress his point. I got no resolve from him. I need this inquiry removed from my credit report with all 3 credit bureaus
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
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, credit repair services, or other personal consumer reports

On XXXX XXXX I attempted to get my credit report on Equifax web site and it said the information did not match their records. Equifax has not updated my student loans accounts XXXX XXXX XXXX/XXXX accounts. 

They where consolidated on XXXX XXXX and my Equifax report still shows balances and that the fifteen accounts open with balances. 

This is negligence on their part and I am writing this complaint because they have not updated my report to reflect the account closed and paid.
Product: Credit reporting or other personal consumer reports

I was sent a letter from XXXX saying there was a breach and my personal information was leaked when I checked my credit report there was accounts and inquiries that didn't belong to me I filled a report with th ftc as advised
Product: Credit card or prepaid card

I purchase a set of custom kitchen cabinet. The cabinet came and local installer associated with the company came and installed them. After 4month of using them. The wood started to swell. I tried to contact the merchant. At first, they said they will come and replace them ; then they stopped responding to my text or calls. Therefore, I initiated a dispute through Discover card that I used to charge for the cabinets initially. Hope that Discover Card will give back my justice. However, Discover Card decided not to issue a permanent credit on my account because they can't contact the merchant. 
On their website, under dispute FAQ, it states clearly in one of the question : If the Merchant doesn't respond to your notification, what happens? 
The answer for that is : We issue a credit to your account. 

Therefore, I demand Discover Card honor their own statement to issue me the permanent credit to my account. 

My dispute file and Discover Card policy will be attached.
Product: Credit reporting or other personal consumer reports

Dispute of Derogatory Items and Request for Compensation Dear Experian, I am disputing the following derogatory items listed on my credit report : XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Remarks : Closed/Charge-off XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Remarks : Collection
Product: Checking or savings account

Bank of America said that I opened a bank account with them. I do not have any acknowledgment of opening a checking account with them.
Product: Money transfer, virtual currency, or money service

I'm filling a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices wich violate the customer financial protection act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive has they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. This action have caused significant inconvenience and financial lost and I seek appropriate redress for this violation
Product: Checking or savings account

In late XXXX, I tried logging onto my Ally Bank account to retrieve a financial statement. After trying an old password twice, my account was blocked. I attempted to reset my password through the 2-factor authentication, but the code never came to the mobile phone tied to the account, despite multiple attempts. 

Im currently abroad and called Allys customer service number long distance and was on hold for 20+ minutes while being charged XXXX} per minute before I finally spoke to someone who was supposed to resolve the problem. Midway through, the call cutout and my issue was not resolved. Instead of going through the expensive process of calling Ally again to address their own issue of not texting me the code to reset my password, I reached out via direct message to their customer XXXX account, XXXX XXXX, on XX/XX/XXXX explaining the situation. They told me to call again ( which I explained was too expensive for me to do ) or use the chat featurewhich you can only do when youre signed into your account ( reminder, Im locked out of my account ). 

On XX/XX/XXXX, XXXX XXXXXXXX on XXXX asked for my name and phone number so someone could get in touch. I supplied that information on XX/XX/XXXX. They acknowledged receipt and told me someone would reach out shortly. On XX/XX/XXXX, I reached back out to XXXX XXXXXXXX to let them know no one had gotten in touch with me. They then asked if I could provide the phone number associated with my account because they could not identify it based on the information I gave them ( this seems like something they should have reached out to me about, instead of me having to follow up for a response ). I provided them with this information on Sunday, XX/XX/XXXX. On Monday, XX/XX/XXXX they again said they would pass this information on to a team member who would reach out soon. Also, on Monday XX/XX/XXXX, I replied and pressed them on when someone would reach out and how, reminding them that theyd told me someone would reach out before and no one did. I also reminded them that I was abroad and time zones were different, so we needed to set up a time and make sure they were calling the right number. I was then told ( still on Monday ) that someone would reach out within 24 hours without further clarification. I asked how the representative would contact me on Tuesday, XX/XX/XXXX and no one responded. On Wednesday, XX/XX/XXXX I reached back out via direct message and a public tweet since no one ever got in touch with me and received no response from XXXX XXXX. Today, it is XX/XX/XXXX and I have sent multiple private DMs and public tweets to the account with no response. I am still locked out of my account and have reached out via multiple channels to Ally to resolve my issue, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for validation to 2 collections on my credit report which is sprint and XXXX XXXX. XXXX is represented by XXXX XXXXXXXX XXXX and XXXX XXXX college is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps.

I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Email : XXXX RE : Attorney Letter Experian, XXXX, XXXX Please See The Attached Letter I've constantly over the past 3 months attempted to get these bureaus to correct false information ; I've submitted letters of validation, I've stated the accounts aren't mine, I've stated the information is inaccurate, but the Bureaus continue to refuse to comply. I never consented to have my personal information displayed, or purchased, or reported.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX : {$170.00}
Product: Debt collection

I have requested the collection agency to provide me validation of the debt or information to show that they can collect on this debt. They have failed to provide me a copy of the lease or anything showing the amount and how it got to that amount that they are saying I owe. I requested validation on XX/XX/XXXX,  XX/XX/XXXX and I have received no information. I attempted to contact the office both times there representative would only discuss how i would be paying the balance of XXXX by credit card or check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of last activity is incorrect and inconsistent between 3 bureaus. XXXX 's date is 3 months different from XXXX and the discrepancy will cause a delay in my homebuying. I've tried to dispute online and the dispute was rejected since I've disputed the account before. Prior dispute was for a different reason. I called XXXX  and they still allege the date they have reported. 

I do not think Conn 's has validated this debt with proper support. So they are in violation as well as the credit bureaus for not removing
Product: Money transfer, virtual currency, or money service

I tried to refund a purchase of a defective item and they wont refund my purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to this reporting agency on several occasions. Most recently, XX/XX/2021. This original debt was owned by XXXX XXXX, and was sold to XXXX. During the past few months this item has appeared back onto my credit report, re-aged. A complete violation of my rights. The debt collection company and credit bureau have both neglected to verify that I am the owner of this debt and am legally obligated to pay this debt in the 30 day time frame allotted. I would like this account removed from reports immediately.
Product: Debt collection

I have disputed this account because I know it is inaccurate. I sent a letter to Commercial Acceptance to dispute it, I sent that letter to the addresses reported to both XXXX  and XXXX, by Commercial Acceptance. They are required by the law to report 100 % factual data to the credit bureaus. Obviously, since the mail was returned to me, they have not reported 100 % factual data to a 3rd party, which would constitute a crime under American law. FIX THEIR MISTAKE RIGHT NOW!
Product: Payday loan, title loan, personal loan, or advance loan

I spoke to XXXX on or about XX/XX/2024 and requested information about the insurance that I was paying for on my account and he answered me with the question " Why do I want to know about the insurance and I should have read the information when I signed the documents. 

I also stated that the employee that signed me up told me that if I were to cancel the insurance products that my payments would decrease and XXXX told me that was untrue. 

I expressed my concern with this wrong information and he was very rude and said to think about canceling the insurance without explaining it to me and disconnected the call. 

I finally spoke to a XXXX in XXXX on XX/XX/2024 who asked me the same question about canceling the insurance products and she then placed me on hold and disconnected the call. When I called back I left a XXXX and still have not heard from her.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I got a loan for the equity of my home with Citibank. They asked me to have a Flood insurance policy and I got it with XXXX insurance. On XX/XX/XXXX I made the full payment to Citibank, and I asked them to close the account, an according to the contract if I do not owe anything they shouldn't charge me anything, but I kept receiving letters from them regarding to pay the Flood Insurance. 
You should know that my home is not in Flood area since XX/XX/XXXX and I do not owe anything to Citibank since XX/XX/XXXX.I kept receiving letters I called them and they did not help me on anything.they kept transferring me to different people, departments and at the end they should hang up on me. 
I went to talk to the manager of the bank in XXXX where i got the loan " XXXX XXXX '' and she called and talk to different people and finally she cant do anything. I went to the insurance company and the representative XXXX XXXX called the Citibank and talked to a lady her name is XXXX and she told her i had to pay {$410.00} as an overlap I do not know why, I always had coverage, and I always paid everything on time, even though I paid the amount waiting do not receive more letters. They required me to close the account the following : a money order for {$64.00} letter of authorization to close the account again, I did everything and they never close the account. 
I had been receiving bills and letters, now they want to charge {$1700.00}. They continue purchase Insurance for me for a loan that I do not have. 
I called again and they kept me on the line transferring me with different people. I am completely frustrate, I do not know what can I do. nobody seems to understand why they have not closed my account but nobody helps me either.
Product: Mortgage

I make payment to the servicing company and the choose when they want to apply the money to there records. I send in certified fund to keep from having a problem more with the amount they tell me is the mortgage amount and it seems to change monthly. This services company is bad and has many problems When the loan was with XXXX  XXXX XXXX I could walk in the door and pay them now it is mailed and I do not know the date that it arrived without spending an additional amount to get receipts. They come up with additional charges for inspections that I have not approved or requested. I am sending you the documentation of all of this actions.
Product: Debt collection

Hospital was first denied payment from insurance without more information. Information was supplied to insurance company and insurance paid debt in full. Notice was sent to incorrect address for court fillings against me for this debt and I did not know about the attempt to collect the debt until the garnishment was given to me through work. I was able to stop the garnishment by showing proof the debt was paid by the insurance, but the company has not reported or removed to the credit bureaus this has been satisfied and no longer owed,
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. 

XXXX XXXX XXXX XXXX XXXX  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 or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX