23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is the second complaint I have filed related to XXXX Mortgage. While some of the information is still being disputed from the initial complaint involving wrongful foreclosure there is very material new information which is the basis of the new complaint. 
Specifically, today I received a large package of information from XXXX. It does include an updated escrow analysis and payment amount. However, there is no mention of why it is just now being received. Nor, is there a mention as to why the prior statement was sent - after receiving payoff funds - still showing I owed over {$4700.00} in XX/XX/XXXX. 

The package does include the reiteration that XXXX Mortgage did nothing incorrect in servicing my loan. This assertion does not reflect reality. The information also indicates that the VA was wrong in stating that my loan did not have to be 'seasoned ' ( 12 months of payments ) in order to qualify for modification. 

In addition, the following items, at a minimum, are incorrect in the final reconciliation received today from XXXX as follows : 1. My wife did not sign the 'Note ' and promise to pay -- XXXX provided a copy of the same showing she did not sign. -- - She did sign and was told to sign the mortgage - which appears to be incorrect as she is not subject to the loan underwriting, the 'Note ' nor the repayment of the loan. 
2. They agreed in XX/XX/XXXX to settle the matter and gave me a pay-off until the end of the month. They then within XXXX hours hired an attorney to wrongfully foreclose. They disregarded the agreement by taking action so quickly and not giving me anytime to remit funds ( which I explained I had to borrow in a process that would take a few days ) 3. They did not properly reconcile my account upon receipt of the punitive reinstatement charge of over {$20000.00}. 
4. Instead, they did send a mortgage statement for XX/XX/XXXX that is completely incorrect showing I owed over {$4700.00}. -- 5. They did repeatedly make assertions that they were not allowed by the investor to work with me on to settle the debt. Now they say they are not the investor but in a recorded conversation in early XX/XX/XXXX they indicated they were. 
6. They still show a negative escrow balance which I continue to dispute. 
7. The indicate they can arbitrarily offer to reduce late fees only to then reinstate the fees. 
8. They indicated the legal fees charged were reviewed and are correct. -- They are duplicate fees and there has been no explanation thereof. 
9. They say I was not experiencing a temporary hardship so I did not qualify for a loan mod -- I was, as my house payment had increased {$900.00} a month due to payment of punitive taxes. -- The payment created a hardship. 
Bottom-line, even after I paid the punitive reinstatement charges, they still failed to properly reconcile my account. Instead they sent the attached statement showing I still owed {$4700.00}. They have since provided additional information all of which says they did nothing wrong. So, I guess I am to yet again disregard written correspondence from them that says XX/XX/XXXX thing and only pay attention when they say they have done no wrong. --
Product: Debt collection

Midland credit management company is still reporting on my credit report and according to New York State this is illegal, they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$10000.00}.
Product: Debt collection

Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/2021 VIA USPS certified mail. You can track this package using THIS tracking number. 

Usps tracking XXXX
Product: Credit card or prepaid card

During the past 5 months the following has occurred with Citibank customer service : Given conflicting information by each customer service/or account manager regarding my account or policies such as when and how payments are processed ; given wrong/out dated address to send payments by a manager with CitiCard-the address given to me was XXXX. XXXX XXXX, XXXX, Ohio XXXX. This address is old and outdated. I asked the representative several times and he stated this was correct and it was not. The Office of the President listens to the calls and attempt to " explain away '' the mistakes. 

Presently, a {$1000.00} payment I sent on XXXX17 has been lost/misplaced and no one can seem to find it. 

Such problems have been happening over and over and corporate does absolutely nothing and neither attempt to compensate me for the mistakes made. 

I have also experienced being over charged for transferring funds. The system states {$5.00} or 3 % of the balance transfer on all of the promotions that I received. I was charged more than 25 %. This was refunded to me after I caught the mistake and called Citi. 

However, I am so tired of behaviors like these.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I did not ever in my life receive dish and its on my credit report for XXXX that I do not owe cause it was not me
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX  XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Checking or savings account

Navy federal would charge me overdraft fees unjustly.
Product: Checking or savings account

I have Accounts with Union Bank & Trust located at XXXX XXXX XXXX, XXXX, VA XXXX. On XX/XX/19 I called the same branch and asked for a manager to talk to as my problem requires some person with good banking knowledge to be resolved. The person who picked up the phone said his name is XXXX and he is a manager.

I asked him that I wanted to go over a {$12.00} penalty that they charged for a cancelled transaction. I provided him, bank account number, and account co-owners name. Number of accounts we have along with the current balance for each of these account.

However, Mr. XXXX was insisting me to provide me my full social security number. I do not know his background and I was very uncomfortable to provide him my full social security number. I offered him my last 4 digit of my social security number and any other verification information he needs. No, Mr XXXX told me that he can not help me without my full social security number or I have to go to their branch with my drivers license. 
Is it legal to ask consumers for the full Social Security number? In banking with large banks like XXXX, XXXX XXXX XXXX and my Mortgage bank, in no time anyone asked for a full Social Security. I wanted to notify you so that you can advise me what I need to do. I will have to stop doing business with Union Bank. We have decided to close our accounts with Union but wanted to share the improper practice by union Bank and Trust
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  ( 2 hours ago ) to XXXX Good Afternoon, I reached out to your office regarding my hold. One of your associates stated I owned XXXX dollars. The individual was unable to tell me when theses charges occurred due to the legacy system issue. 

I understand that is a system error issue but when I called the Collection they stated I owed XXXX dollars. They said they cant change it without approval. 

I ask your assistance with this matter. I been dealing with XXXX XXXX for over a month. 

I am struggling to get this resolved Best Regards XXXX On Mon, XX/XX/2020, at XXXX XXXX  XXXX wrote : Dear XXXX , We have received your transcript request order ; unfortunately, we are unable to process your request because of a hold ( s ) on your student record.

Listed below is the hold ( s ) on your record followed by the college that placed the hold on your account and their contact information : Accounts Receivable Hold : - XXXX XXXX XXXX College - - XXXX XXXX ( XXXX ) XXXX Financial Hold : - XXXX XXXX XXXX College - - XXXX XXXX ( XXXX ) XXXX Please contact the college ( s ) listed above to inquire and resolve the hold ( s ). Your college Identification number is XXXX. You will need to reference this number when contacting the college ( s ) listed above.

Once your hold ( s ) has been removed, your transcript request will be completed automatically. 

Respectfully, XXXX XXXX XXXX College Transcript Processing Team This is an automated email, please do not reply directly to this email. 

XXXX XXXX XXXX XXXX XXXX  ( 1 hour ago ) to XXXX Good Afternoon, My whole family including a XXXX   sister in law has been affected by XXXX  XXXX. After over a month of battling this XXXX. Now I am faced to fight another battle with the XXXX who's legacy system has been down for months. They are unable to provide any information regarding student 's balances. Students are forced to pay bills with bursar 's office without knowing when the chargers occured and transcripts are not released until the bill is paid. I am in the process of applying for my dream school XXXX for my XXXX XXXX in XXXX XXXX for the XXXX enrollment. 

Best Regards, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX : I contacted Banana Republic XXXX regarding an Amazon charge for {$16.00} that I did not make. They informed me, they would have to cancel this card, as the charge was possible fraud. I informed them of an upcoming trip to NY on XX/XX/XXXX. And asked that the card please not be closed as I was traveling with my son and only have one card. They assured me the card would not be closed and to call back upon my return home. 

XX/XX/XXXX : XXXX hours into my XXXX XXXX XXXX I stopped for lunch, where my credit card was declined. I called Banana Republic XXXX customer service who informed me that my card had been closed. They could not reactivate. And I would receive a new card in 7-10 days. I stressed to them that No one mentioned this to me. I was 2+ hours away with my XXXX year old son. No other credit card. And only a bank card ( no logo ). 

I arrived at the hotel. I needed to call a family member to supply me with a credit card for a security deposit. Luckily this was an option for me. 

XX/XX/XXXX : I called banana republic visa to inquire about my card. They said they could resend a new card in 7-10 days. I told them this was unacceptable and asked it to be expedited, no response back. 

XX/XX/XXXX : I have still not received my new card. I called banana republic and asked that my card me overnighted. They refused, stating they do not do this. They offered 3-5 business days, to arrive on XX/XX/XXXX. 

I am completely disappointed with the companys lack of handling this situation. The misinformation given on XX/XX/XXXX could have left me and my son stranded XXXX hours away from home. If I was informed on XX/XX/XXXX that the card was going to be closed I could have made other arrangements, but this was not the case. 

The answer I received from banana republic visa customer service was figure it out. If the hotel had not let me in, I would have had to turn around and journey another XXXX hours home. 

It was scary to be placed in this situation being so far from home. The responses I received from the customer service team and the lack of willingness to help was unacceptable. This has been my main credit card I use for daily purchases, my card is in good standing, and I am disgusted with the way this was handled.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Vehicle loan or lease

Credit acceptance reporting delinquent. All payments made on time.
Product: Checking or savings account

on XX/XX/XXXX - XX/XX/XXXX I authorized an ACH amount of XXXX daily to the app XXXX  which is an exchange where one can purchase XXXX XXXX Upon verification with my bank USAA, I noticed not a daily XXXX charge but rather MULTIPLE daily charges ranging from XXXX to up to XXXX daily to a company called XXXX, while my XXXX app showed only a daily XXXX addon. I to this day, still haven't validated the link between XXXX  and the app XXXX, but would assume this is the parent company. I filed a dispute on XX/XX/XXXX with USAA for the overcharges, and the following day, my account was blocked and XXXX days later was " told '' that my banking relationship with USAA was terminated. My money is blocked at both USAA and XXXX with XXXX communication around a solution at either.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the last date reported is not accurate. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) THIS IS GROUNDS FOR REMOVAL THEY ALSO violated MY RIGHTS UNDER 15 usc 1681 section 602 A states I have the right to privacy 15 USA 1681 section 604 A section 2 it also states A consumer REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH MY WRITTEN INSTRUCTIONS. 
Also the credit BUREAUS TOOK MORE THEN 30 DAYS TO COMPLETE MY INVESTIGATION.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to purchase a car. I didn't consent to running numerous of lenders. They quoted me XXXX but ended up owning over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their website does not work in terms of the complaint process. 

Their website pulls incorrect information in the security-question process rendering the service useless. 

These " credit-reporting '' agencies are incompetent and are affecting the daily lives of people!!!
Product: Credit card

Been long time good customer with XXXX XXXX since 2011 and was charged annual fee of {$45.00} my account has been paid off for awhile, I do n't even use this card. I noticed the charge called asking them to waive it for me and neither the customer service or manager would do anything for me so I closed the account. Very upset I have to pay this {$45.00} fee when I was just charged and not even going to use the card because I closed the account. NOT HAPPY!!!!
Product: Credit reporting or other personal consumer reports

I sent you a letter recently and you were required to enter a notice of dispute within 30 days of receipt to my accounts so that my creditors and anyone else pulling credit report will know that these items are being disputed by me. Section 623 stipulates that if this notice of dispute is not entered within this given timeframe, all disputed accounts must be deleted from my credit report for violation. Also, XXXX is reporting a paid status while Equifax is reporting the status as derogatory which further tells me that an investigation was not done. XXXX has since removed this account. I am including a list of my disputed items that do not report this requirement along with the dispute letter, which is dated, and time stamped. Attached is my credit report showing that the account does not show a notice of dispute. Remove the following account from my credit report due to FCRA violation : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I would like to add new documentation to my complaint against XXXX XXXX. The reason why i filed the complaint is the tactics they used to get more time to serve me. They knew i was out of town and have known it for awhile. I had a a case i lost which was the first part of all this. I couldn't make it back cause i was out of town working so i filed for a continuance. It was granted but when the time came i was still out of town and the my motion was denied. I called XXXX XXXX and XXXX to ask for more time and they wouldn't. I have called there repeatedly about this new one. I have told them several times i was out of town. I had even scheduled a time to pick the notice up there at there office. In the first case it was an over payment and they held a check for me until i came in town to pick it up. So when they filed the notice to serve by pulication stating i was hiding is a lie. Its what they had to say to get the court to give them time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX Consumer ID : XXXX Consumer Relations P.O. Box XXXX XXXX, XXXX XXXX To whom it XXXX concern, I would all documents, sources, and methods used by the Bank XXXX XXXX to " verify '' their claim. Other wise, I'd like Bank XXXX XXXX account number : XXXX and ALL of its subsequent transactions completely removed from my chexsystems consumer report. Once again, this account was opened fraudulently and without my authorization, while I was serving a 15 year prison sentence. Attached are my FTC affidavit, my sentencing papers, a picture of my ID and social security card Thank you in advance XXXX XXXX
Product: Debt collection

I've had repeated calls from different numbers by Diversified Consultants trying to reach me the last few weeks. They've been very evasive and/or defensive whenever I ask questions as to who they are. Some have refused to tell me who they work for, some of them tell me they think their first & last name is good enough, even though I don't know their names. I've told them today, XX/XX/XXXX, to send me a letter in the mail if it's really personal. He got really defensive and rude over it, telling me he told me his first and last name. I've looked at my credit history on XXXX XXXX & i'm not seeing anything from this debt collector on there.
Product: Debt collection

On XXXX XXXX, XXXX, Stenger & Stenger sent a copy of an Order of Substitute of Counsel on a supposed Complaint on a supposed Judgement on a debt that is from XXXX and is now Time-Barred and well past the 6 year Statue of Limitation within Tennessee for residents. ( TCA 28-3-109 ). Also, Stenger & Stenger PC are located in XXXX XXXX MI, and upon further research regarding this firm being licensed to collect a debt in Tennessee, I have found no such information. This time-barred debt from XXXX is also no longer on ANY of the 3 Credit Bureau at of XXXX XXXX, XXXX. Stenger & Stenger is trying to bully & threaten with a frivolous and unwarranted judgement upon my husband and has SHOWN absolutely No proof of the validity of the debt from XXXX. Again, this is a debt from XXXX, it is Time-Barred & 4 years past the 6 year Statue of Limitations.
Product: Vehicle loan or lease

Due to the XXXX XXXX I'm not able to work anymore. American credit acceptance is my auto loan company and I've contacted multiple times asking for them to defer my payments until I'm able to work again or I get government assistance.The only thing they are offering is waving late fees and splitting payments in two. I think using my small saving towards food and other essential necessities is more important. please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently went to test drive a new car at XXXX XXXX. After a week of careful consideration I decided to apply for a loan for this car. Moments later I was approved for an extremely high interest rate and thats was unusual. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I'm working on this on my own behalf and I need this taking care of as soon as possible. I've reported to the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX.