23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX  XXXX XXXX XXXX, XXXX, IN XXXX and Guaranteed Rate mortgage / XXXX XXXX  Company 1 corporate XXXX XXXX XXXX XXXX, ILL XXXX. 

The first problem is with Guaranteed Rate / XXXX  XXXX. I was never late with my XXXX payment which the center of all those follow on problems that have occur. 
Fact 1. Mail first payment to XXXX XXXX  at 1 corporate XXXX XXXX XXXX XXXX, ILL XXXX, XXXX of XXXX 2021, the mortgage payment was paid out of my checking account on XX/XX/2021 at XXXX XXXX XXXX XXXX XXXX The first payment was on time and not late. 

Secondly, I was placed in a forebearance plan in XXXX until the disputes over mortgage payments could be resolved. 

Thirdly, the transfer team at Guaranteed Rate during the forebearance period charge me $ XXXX in XX/XX/2021 and XX/XX/2021 just before they transfer the loan to XXXX XXXX  XXXX I should not have been charged during the forebearance period. I need a customer service person from Guaranteed Rate or XXXX XXXX  to contact XXXX XXXX  with documentation stating those charges are removed and refund XXXX XXXX. XXXX Mortgage Fax : XXXX XXXX XXXX. 

Fourthly, the $ XXXX dollars should not have been charged to my account and XXXX XXXX  needs to refund me back my $ XXXX dollars immediately.
Product: Consumer Loan

I contacted Loan Max XX/XX/2016 to ask about a title loan. I was only looking for {$1200.00} and I asked the lady on the phone what the interest rate was and she proceeded to tell me it was 24 %. So I drove 45 minutes to get this loan and after I signed everything was then told that it is only a 60 day loan at an interest rate of 324 % APR. This is predatory lending at its best, this is a classic bait and switch get you in the store and tell you everything is great and easy and then proceed to " XXXX '' you of all your hard earned money. Even though I only make about {$1200.00} a month they still did n't care and went ahead with everything anyways.
Product: Vehicle loan or lease

Making regular monthly payments yet company is still calling and its getting out of hand. There are times they call me and when I answer no one is on the other line. Again Im making regular monthly payments. I have filed fcc complaints for the ghost calls, now usaa is calling numbers that are family members not mine, which I have asked them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXXXXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Debt collection

I received NO notices in the mail or phone calls about this supposed debt, it just appeared on my credit report on XXXX XXXX, 2024. 

The XXXX XXXX XXXX rep who setup the line fraudulently represented the product and service, I contacted the company 3 days later when the product didn't work and they cancelled the account, refunded my deposit, and cancelled my contract. Five months later I received a collection notice which I disputed and they removed the account. 

This is now the 3rd collection company to attempt to collect on this non-existent debt in the last 18 months.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX  By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Product: Debt collection

Hello there I discovered that a debt collection company, XXXX XXXX XXXX, had purchased an old debt from Citibank of a closed credit card account that was paid in full, and reported on my credit report in XX/XX/XXXX. The debt is now once again sold to XXXX XXXX XXXX in XX/XX/XXXX because XXXX XXXX XXXX had closed their business. 

The debt was for credit card account ending in XXXX, with an amount of {$5200.00}, which was opened in XX/XX/XXXX. The account was paid and closed on XX/XX/XXXX, with confirmation number and reference number. Please see attachment # 1. 

I had been dealing with Citibank and multiple creditors over and over again for the past 3-4 years, spent hundreds of hours on call, email, disputes, and fax, and the same account was confirmed by Citibank multiple times that it's been paid in full and closed. 

When the same debt showed up on my credit report again in XXXX, i finally hired a law firm to represent me and sent a letter to Citibank, Citibank finally had Ms. XXXX XXXX from the Executive Response Unit replied me and sent another confirmation letter to me in XX/XX/XXXX as proof that the account was paid in full and closed. ( XXXX ) XXXX Please see attachment # 2 Ms. XXXX had explained the account was misplaced when Citibank sell their old credit cards to a different bank, as a result, the bank even automatically generated and sent me a letter claiming I have to make a {$100.00} payment on account XXXX by XX/XX/XXXX -- - because this account was already closed, so the payment date was recorded as XX/XX/XXXX. Please see attachment # 3 If you look at my credit report, all Citibank related accounts were closed since XXXX to XXXX. No new Citibank account was opened. See Attachment # 4 It is NOT legal to harass consumer with fault account and I've had enough!! 
I demand that your company and Citibank to fully close, and forever remove this " debt '' account from my credit report within 14 days upon received of this email. 

I am filing this complaint with Consumer Financial Protection Bureau CFPB on XX/XX/XXXX, against XXXX  and Citibank. 

A complaint was also filed with XXXX XXXX XXXX XXXX on XX/XX/XXXX, against XXXX and Citibank. 

I will proceed with lawsuit if XXXX XXXX XXXX and Citibank fail to fix the error within 14 days. A law firm had been contacted and ready to file the case anytime.
Product: Debt collection

I have sent several certified letters to  XXXX ,  XXXX  and  XXXX  demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as  XXXX . All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XX/XX/2014    Amount : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communications regarding the removal of fraudulent items from my credit report. This marks the many formal attempts to address this pressing issue. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$570.00} XXXX  XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$980.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance : {$980.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry from Discover Bank on XXXX XXXX that I did not authorize or approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they MUST be removed immediately to avoid litigation :  1 .  XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   4.  Bank  XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX  6.  XXXX   XXXX .  XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX  Mortgage  XXXX   9.     XXXX    XXXX   10.    XXXX   XXXX   XXXX   XXXX
Product: Mortgage

I had to file an insurance claim, and when my insurance sent me a check to reimburse me for my claim, they made the check out to me and my loan servicer, Newrez. I endorsed the check with my signature and then contacted Newrez to see what I needed them to do to have them endorse it. 

Newrez sent me instructions to send them the check by snail mail, that they would endorse it and send it back to me by snail mail. I let them know that that was not a good idea, because I already signed it. Their uneducated and uniformed service department proceeded to tell me that I could send them a XXXX mailing label ( they don't do XXXX ), so that they could send the check back to me more securely. 

There are MANY problems with this response. 
XXXX. Why do I have to send them a label? They're servicing my loan at a ridiculous interest rate, so they should probably have the money to make their own XXXX label, which is MUCH easier for them to do than me. Why should I pay for their business fees? 
XXXX. XXXX may track with the label, but that still doesn't insure the package. It's a XXXX check! For me to pay for the insurance on this label, XXXX wanted to charge me over {$80.00}. 
XXXX. Their answer should have been that they would deposit my check and then make out another check to me, sending me that check. This is the only secure way to do this. 

I called them back, and it took me a LOT of explaining for me to even get the person on the other line to understand that I already signed this check, and that once they signed it, it would be fully endorsed. Once the other person finally got it, I told them they needed to deposit this check and send me a new one. She said that she put a note on the account asking them to do that, and that they would. 

Today I opened my mailbox to find an envelope from Newrez. Inside is the fully enorsed check from my home insurance company, not a new check from Newrez. After multiple phone calls, making a formal complaint to Newrez, and assurance that they would make out a new check to me, these idiots put a fully endorsed check for almost {$10000.00} in the mail. I'm lucky to have this check right now and that nothing happened to it. 

This company SHOULD NOT be handling money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act 15 U.S.C 1681 Section 616 ( A ) ( 1 ) ( A ) Civil Liability for willful noncompliance {$1000.00} per violation Section 623 ( A ) ( 1 ) ( A ) Reporting information with actual knowledge of errors Section 623 ( B ) ( 1 ) Reporting information after notice and confirmation of errors Section 611 ( 2 ) ( A ) Procedure in case of disputed accuracy Section 611 ( 5 ) ( A ) Treatment of inaccurate or unverifiable information AFTER mutiple disputes with Experian asking for debt validation for account # XXXX XXXX XXXX XXXX they will not comply with my request.. THIS COMPANY IS LOCATED IN XXXX XXXX, KS ... I never lived in Kanas. how does this account belong to me.. I also disputed with XXXX they were unable to verify any information pertaining to this account and deleted it.. EXPERIAN is reporting a open date of XX/XX/2020 on the experian website but on XXXX XXXX they're reporting an open date of XX/XX/2020 that is inconsistent. this violation has been going on for over 2years. 
ONCE again I have enclosed supporting documentation pointing out the violations as well as the laws from the FCRA. you're in complete violation I will just pursue legal matters. please delete immediately.
Product: Debt collection

I prepaid for a XXXX year membership at XXXX XXXX in XXXX XXXX, Indiana. It was for {$400.00} on XX/XX/2021 on my XXXXXXXX XXXX. I have the bill showing it was paid. Now I get a bill saying I owe money. I've called Aldous and associates who are trying to collect this @ XXXX. They have no information for me and referred me to XXXX. I called XXXX and they said it was sent to debt collection. I asked to speak to a XXXX and they said they can't help me. I was recently hit by the XXXX, In tornado and have been trying to rebuild. My phone was recently replaced but don't recall seeing anything from XXXX about collection. 
I checked at the front desk multiple times verifying when my membership was ending. Due to overcrowding of the equipment and people and with how many times things within XXXX was shutdown for repair I decided to go someplace else. Multiple times the movie room was down, pool down, equipment down, tanning down, b- Ball goal bent and nets not replaced, ect... This was a constant issue over past year. I voiced my concerns multiple times as well did others I knew. 
I don't know why I'm being charged. My debt was paid in full when I signed up.
Product: Student loan

I was charged late fees when I was communicated over the phone that there would be no fees charged. Specifically, when I entered a special interest rate reduction program with Navient the customer reps told me that i should not make any payments because it would mess up me being approved for this special program. i told them multiple times my account shows delinquent the customer reps told me not to worry that the account would show normal once I entered this interest rate reduction plan. I call Navient to ask about these charges.I was placed on hold for extend amount of time and i was passed from customer rep to customer rep. Then i left a feedback vm that no one follows up with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim and someone has opened accounts in my name. Im trying to get all of the fraudulent accounts removed from my credit reports. I sent a notarized letter on XX/XX/XXXX by certified mail with USPS return receipt required. Experian did receive the letter of XX/XX/XXXX, and I received the return receipt card bearing their signature. I also sent letters to Experian on XX/XX/XXXX, XXXX and XX/XX/XXXX, but Experian has ignored all XXXX letters. In the letter of XX/XX/XXXX, I demanded that Experian provide written proof of debts it reports or to remove the alleged debts from my credit report. As of today, XX/XX/XXXX, Experian has neither removed the debts from the credit report nor have they sent me written proof of the debts they report. It should be noted that I thoroughly proved my identity when I went the letter dated XX/XX/XXXX. Accompanying the XX/XX/XXXX letter, I attached a legigble copy of my driver license containing my current address. I also attached my social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an update regarding Complaint XXXX issued XXXX, It is now XX/XX/XXXX ... and there is literally NO RESOLUTION by XXXX XXXX XXXX ( BoA ). Since XX/XX/XXXX, it has been a series of delays and 'give us more time ' delays with no resolution by this bank. This is ridiculous! It's feeling like monthly stall-tactics are being used by the bank. Please note that social media is a powerful tool to upon other consumers about this bank 's activity. I've resisted use of social media up to this point thinking that proper resolution would occur at a reasonable time. Clearly it has not -- and now it is time to use this powerful too to warn others about XXXX XXXX  ethics. 
COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Fees or interest XXXX XXXX XXXXXXXX XX/XX/XXXX Open Company response is in progress as of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor 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

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove inaccurate credit information To whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXXXXXX Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

3. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report 6. Validate Account XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]
Product: Vehicle loan or lease

BANK OF AMERICA facilitated the financing of my XXXX XXXX vehicle in XX/XX/2022, and now continues to violate my federally protected consumer rights. 

They have not delivered the lien free title to me, the rightful owner, and original creditor. 

I have rescinded the transaction via XXXX XXXX. XXXX, to no response from the company. 

They, along with the help of the consumer reporting agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non repayment thereof. This is a violation of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 

I have demanded they cease communication with me with regards to this debt, per XXXX XXXX XXXX ( c ), and they continue to make harassing phone calls and threatening statements. 

I have demanded they validate the alleged debt, pursuant to XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, to which they have failed to do so. 

I am reaching out to your company to hold this company accountable and to uphold my federally protected consumer rights. 

Please see the attached letters for reference. 

Thank you for your time and attention to this matter.
Product: Credit card

Citibank/XXXX has blocked me from making any purchases via my online XXXX account. I have attempted to place SEVEN ( 7 ) ORDERS, order numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, between XX/XX/XXXX through XX/XX/XXXXXX/XX/XXXX ALL ORDERS HAVE BEEN CANCELLED and neither XXXX nor Citibank can provide a valid explanation. I have made multiple phone calls to XXXX on Sunday, XX/XX/XXXX and have been promised they have resolved the issue but nothing has been resolved. Neither Citibank nor XXXX has been able to provide a reason why they are rejecting the use of my credit card and not allowing me to shop online. Additionally, I have a PERFECT credit score, have a credit history dating back to XXXX, and have had no late payments and yet my account has been blocked from making online orders at XXXX using my XXXX Citibank credit card. I have to believe that I am now being discriminated against because of my religion, because I am XXXX.
Product: Credit reporting or other personal consumer reports

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  After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. XXXX has removed all hard inquiries that does not belong to me. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.