23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting.. XXXX XXXX XXXX which is reported 30 and 60 days late on XXXX and XXXX consecutively..Same goes with XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX is reporting late 30,60,90 days late XXXX, XXXX XXXX, consecutively
Product: Mortgage

In late XXXX I looked into a Home Equity Line of Credit, I spoke with a representative from three different companies, one being my mortgage lender, and all three said my home valued around {$160000.00} from their research, no appraisal conducted, just that I was able to take a HELOC. I ended up going with one that did not own my mortgage loan. 

Now, in XXXX of XXXX I decided to consolidate the mortgage and HELOC, appraisal came in with {$170000.00} value. When I stressed I didn't want to pay mortgage insurance anymore, my XXXX XXXX Loans rep said you shouldn't have been because your house is worth a lot more than your debt. After digging a bit, it seems when I was looking into a HELOC, I should have requested Wells Fargo to drop my mortgage insurance, and from what I saw once it hit the 78 % mark, they should have dropped it but didn't, to make matters worse, after my refinance closed they hit me with two more months of mortgage insurance, so now in my eyes, they hit me with around {$800.00} of mortgage insurance on a home worth XXXX, when only XXXX was on their loan, so I brought it to their attention. 

After a few messages to their secured site, I requested a review and to have them e-mail me, they insisted on calling, refusing to e-mail or even use their secured center which I found shady in and of itself. After having no luck in calling or receiving calls from their executive rep XXXX, I sent another message and got a call from another rep named XXXX, I was able to take this call and explained everything to her. 

She got back to me today with the reasoning of " mortgage insurance runs off the original value, not current '', but online said there was an option of requesting them to relook, and use their appraiser ( at my cost ) to see if they can change it. Beyond that, the double charge after payment was because " those were the 2 remaining months left still owed ''. So, mortgage insurance is supposed to be there so they don't get ripped off, they take sacrifice making the loan, but after dealing with them for a few years, never being late on a payment, they are going to pull this? Charged for mortgage insurance, even after mortgage was closed. 

While I feel I was ripped off of a few hundred dollars, I know I am not going to get back, I want this reported so others can learn from it. Wells Fargo is shady, their policy for mortgage insurance is a scam in my eyes and just a way for them to make extra money off people that can barely afford it.
Product: Debt collection

Today is XX/XX/XXXX I received a credit report notification for a new account I checked and the account is for over XXXX XXXX  of unknown debt I dont owe that to anyone. Ive never done business with rent recovery solutions at anytime. Im disputing this debt and any tradelines affiliated with it.this company violated my rights as a consumer by placing this unverified debt onto my credit as a consumer I have the right to be notified of my said debt and it has to be verified this company failed to follow those guidelines failed to issue any notification or provide any communication prior to placing this account on my credit file Im disputing this debt in its entirety and Im requesting a debt validation letter immediately Im also requesting this account be removed from my credit as its not my debt nor has it been or I will pursue litigation due to unfair debt collection practices which is a violation of my rights as a consumer
Product: Checking or savings account

I had multiple problems with fraud in my account at USAA and the last time, I moved all of my money to another bank. During this move, the bank ( USAA ) chose to no longer do business with me. During the money movements, my account became overdrawn. I missed canceling 3 transfers into that account and one direct deposit. With all of the money that I missed, my account is now in a positive status. Now the former bank ( USAA ) is saying that even though my accounts are positive, they will not return my funds until XXXX. I find this entire sequence of events to be reprehensible
Product: Consumer Loan

Ally Auto received XXXX checks on XX/XX/2016 at XXXX and proof of XXXX delivery, which was signed for. XXXX check was {$17.00} and the other was {$32000.00}. The total amount was more than what was owed. I called on XX/XX/2016 when they were not posted and was told, it was not enough for the payoff and was told if I did n't make a payment of {$51.00}, they would not post the payments. I was also told it could take up to 10 days and would not be posted on the date they were received. When I was getting nowhere, I contacted my rep at the XXXX XXXX XXXX XXXX and she has called everyday since XX/XX/2016. She has never spoke to the same person and within those calls, did get a reference # XXXX. Ally Auto has confirmed they have the XXXX checks and keeps assuring her they will be posted within 24-48 hours and it has been escalated and that it takes time. It has been 7 days since the checks were received. This should not be happening and I have read other reviews on line about this happening to other people. Ally Auto has been called everyday, a few times a day to try to get this resolved and as of today, my auto loan is still showing a balance. The call today, my rep was able to speak to a supervisor, who told her they are working on and will be posted today. She also told her that we just need to have patience, that these things take time. This is unacceptable. As a bank, the check should have been posted the day it was received. I will NEVER go through Ally Auto/Bank again would like warn others who do.
Product: Money transfer, virtual currency, or money service

There are multiple unauthorized wire transactions from both my savings account and checkings account early XXXX. I got to know this on XX/XX/XXXX calling the customer service line because my online banking stopped working. There was one transaction went through that with an amount over XXXX thousands dollars. I immediately asked the bank to file a claim but the bank asked me to be in a local branch to deal with it. I am overseas and could not make it so I write a XXXX of Attorney with detailed information asking my relative to represent me to file the claim. I got the POA notarized at the local United States XXXX. However, the bank reject the POA just saying insufficient verbage. There is no other appointment available at the XXXX XXXX in near term and I can not return to the states soon. I made multiple calls already and none of the bankers helped.
Product: Credit card or prepaid card

I currently reside in XXXX, XXXX. 
I have called citicard multiple times to have a new replacement card sent to me in XXXX. 
The first time, they sent the card to an old address in CA and charged some kind of shipping fee without my consent. 
I called and they re-confirmed that they would send me a new card in XXXX and cancel the shipping fee. 
After the card did not arrive for weeks and I received another credit card statement showing a {$6.00} charge I did not make, I called again - this time they made me go through complicated identification procedures and then asked to call me at a U.S.-based  number for verficiation. 
As I do not live in the US, I asked citicard to call me at my international number or find some other way to verify my identification but they refused. 
They say they can not release any information about my card to me and will not handle my dispute until they can call me at a US-based number - but this is not possible. 
I have talked to several people in management and they still ca n't help me. 
In the meantime, the charge is still standing and I do n't know my new credit card number to initiate a dispute online. 
Please help me - receive a replacement card at my XXXX address - cancel the current charge on the card Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts listed on my credit report that do not belong to me. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n XX/XX/XXXX, I scheduled the payoff amount on XXXX XXXX XXXX XXXX website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/XXXX, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of XXXX plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on XXXX XXXX XXXX XXXX side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit  score dramatically and I have attempted to correct this with XXXX XXXX, Experian, XXXX, and XXXX on multiple occasions. Disputes with credit reporting agency are not correcting the mistake.
Product: Debt collection

Ive contacted XXXX to confirm i have XXXX debts with them. They have also confirmed they do not use the attorneys office that is contacting me and that it is more than likely a scam.
Product: Credit reporting

I recently moved from XXXX to XXXX. I attempted to open a checking account at XXXX XXXX and was told Experian had a fraud alert on my credit report. In addition to my SSN they have my late mother 's SSN ( same name as mine ) and have listed me as deceased. I 've written to Experian and have received no reply.
Product: Money transfer, virtual currency, or money service

The main problem I am having is with coinbase. When I first made coinbase back in XXXX, I chose coinbase over other platforms because it didn't require SSN which I don't have since I am an XXXX XXXX in the United States. Ever since XXXX, I spent about 700 $ ( including transaction fees ) on purchasing litecoin on coinbase. However, recently when I tried to log into coinbase, they locked my account saying that they needed " additional customer information '' and asked me to type in my SSN ( which I don't have ). Therefore, I'm currently unable to access my coinbase wallet, even though I wanted to pull out all my litecoins. I didn't gain any profit from my purchase so I just wanted to pull out at a safe point where I only lost about 50 , but due to coinbase locking my account, I'm no longer able to do anything but sit and watch my investment diminish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and Equifax regarding fraudulent credit inquires on my report and both companies told me that it was nothing they can do, even tho i have a fraud alert on my credit file with both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  And XXXXXXXX XXXX are three credit accounts that should have Been removed from all my credit reports completely. I have reached settlements with XXXX XXXX and XXXX XXXX, paying them money in order to have these negative items removed. They did not follow suit, but instead are asking for more money. This is a big lie and should be considered fraud since they took my money. XXXX XXXX XXXX  even took my money then sold the account to XXXXXXXX XXXX to collect the same debt, if not more. I dont understand if we both reached an agreement. 

XXXX XXXX XXXX, was a company that went bankrupt. The debt is no longer mine. Im still having trouble removing it from all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for a XXXX  months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!
Product: Mortgage

I was recently granted a loan modification. I just finished with the trial period and received the details of the loan modification agreement. First my interest rate remained at 6.25 %. But even more egregious was the fact that they are charging interest on an advance of {$6000.00}. In the end, my monthly payments are about {$200.00} more than I was originally paying prior to the modification.
Product: Credit reporting or other personal consumer reports

I am Filling this Complaint Against credit report agencies XXXX, XXXX and experian As I see false information on my report is being commingling which can be assumed as fraud Pertaining to Truist Account number XXXX Which I see Inaccurate information reported starting with the Late payment as of XXXX which Experian, XXXX and XXXX provided no proof of that late payment and in accordance to with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states that consumer reporting agency can not furnish an account account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose can you help with the credit I am demanding credit reporting agencies to remove any late payments off Truist account Along with lies and false remarks saying the account is past due XXXX dollars or XXXX dollars I do not take to kindly To False accusations on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Complaint : XXXX Verification User I need a letter to the FTC against XXXX for failing to provide the method of verification I have sent numerous letters requesting this in a time frame of 30 days has expired therefore I'm demanding that they removed all information pertaining to XXXX XXXX on my credit report until they can show the method of verification. I want to express that I will be willing to initiate legal proceedings for violating 15 USC 1681 section 2ai. XXXX is reporting in accurate information as it been charged off yet reporting as open and late payments in violation of the statutes 2 / 2 XXXX  [ Your Name Re : Acct # XXXX Dear Sir/Madam, I am writing to file a formal complaint against XXXX, one of the major credit reporting agencies, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and for reporting inaccurate information on my credit report. I have made several attempts to request the method of verification from XXXX regarding the information they are reporting regarding my XXXX XXXX account. However, despite my numerous letters, XXXX has failed to provide this essential information within the legally required timeframe of 30 days, as outlined in 15 USC 1681 section 2ai. 

I am deeply concerned about the inaccurate reporting of my XXXX XXXX account by XXXX. The account has been charged off, yet XXXX continues to report it as open and shows late payments, which is a clear violation of the FCRA. Such inaccurate information can have a significant impact on my creditworthiness and financial well-being. 

In light of XXXX 's failure to provide the method of verification within the mandated time limit, I am demanding that they immediately remove all information pertaining to XXXX XXXX from my credit report until such time that they can demonstrate the method of verification. This action is in accordance with my rights under the FCRA and the necessity for accurate and fair reporting of credit information. 

Furthermore, I would like to express my willingness to pursue legal proceedings against XXXX should they continue to violate the FCRA by reporting inaccurate information. It is crucial that the credit reporting agencies uphold their legal obligations and maintain the integrity of consumer credit reports. 

I kindly request the Federal Trade Commission to investigate this matter thoroughly and take appropriate action against XXXX for their non-compliance with the FCRA and inaccurate reporting. I trust that the FTC will work diligently to protect consumer rights and ensure that the credit reporting system operates fairly and transparently. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely
Product: Debt collection

NATIONAL CREDIT SYSTEM {$3200.00} I do not owe this company any money because I never signed a contract with them, I do not owe the original creditor any money because the account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is pertaining to Midland Credit Management , Inc. - Account # XXXX Under the Midland Credit Management Forgiveness and Hardship Guidelines found in Article 2 of their Consumer Bill of Rights, I believe that I am a candidate and qualify for them to make a business decision and close this account in question. 

Account # XXXX went into collections during the height of the COVID-19 pandemic months after I ( and many others ) was no longer gainfully employed due to massive layoffs. I was unable to maintain my credit card payments, despite attempting to resolve this with the original creditor. I disputed this collection once before, under natural disaster, after reading MCMs Consumer Bill of Rights, but to no avail. 

I am still unemployed and actively looking for work, however it is extremely difficult to find positions in my field due to the derogatory mark that is left on my credit report, in addition to the credit score influx due to how the CR compilation companies model their credit scores. 

This account is now over XXXX XXXX XXXX, and still has damaging effects on my ability to seek new housing, apply for credit, and more. I have exhausted all of my options at this point. Several other collection agencies have worked with me in this regard and have successfully allowed me to start anew. However, MCM has continued to add interest, further damaging my credit score.

In addition to the aforementioned, I ( as well as my mother and sister ) consistently receive harassing phone calls in an attempt to collect this debt - No other agency has behaved in this manner, nor treated me- the consumer- in this way. I would like the person reading this to take a look at MCMs Consumer Bill of RIghts Article 1. I have conveyed that I not only can not afford to pay the balance, because
I have no source of income, but I am unable to move on from this +2 year old situation due to it lingering behind me everywhere I go professionally. Hopefully I've communicated in a way by now that conveys how this has Inflicted a tremendous deal of emotional distress. I am asking/requesting for there to be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account. In addition, I would like to ask the three CRA to be notified to delete this reference to the collection account in question.

God Bless, XXXX. XXXX
Product: Debt collection

In XXXX of XXXX my husband and I received the first and only phone call from a company called Perfection Collection I believe may be located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX .... I found this address while researching the company. A man named XXXX XXXX called and left a message on our home phone which we still have the recording so this is what he said word for word, he said he was calling regarding sealed documentation that we needed to sign that day, he said he was coming to our home in one hour and that we were to answer the door and except the documents voluntarily and if he could not locate us at our address he would stop by one of our family members homes to make sure he would cover all boundaries. This is the phone number he left on our answering machine .... XXXX XXXX .... he said either we call or he would be on his way. The debt was false, years ago we had an alarm system and from what I 've learned this company somehow got our information and tried to scam us with a false debt claiming it was from our former alarm company. We never received any type of correspondence from them other than the one phone call. I did call back and was told XXXX XXXX was not available so the person I spoke to said we owed {$1200.00} telling me that although we had no longer been in a contract with the alarm company due to the 5 year contract expiring which we fulfilled the 5 year contract and this was now two years later .... that the company automatically had rolled us into a new contract .... theres no such thing which I argued. Then I called a second time after doing some research on this collection company and learned this is how they operate, its a scam, so now the second call to them I 'm told there is no such person named XXXX XXXX and this time the person hung up on me after I confronted them. We hoped that was the end. They never called us again and never at all from the beginning did we receive anything in the mail so we do n't have any documentation to submit, what they did do is put collection notices on both myself and my husbands credit reports, this time for a different amount of {$880.00} which is strongly hurting our credit.
Product: Debt collection

requested copies of inital credit application with my signature and all i received was a statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.