23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I signed loan documents with Right Start Mortgage, Inc. (RSM) in XX/XX/2015 - refinancing.  The XXXX Payment Letter indicates that I should make the payment to RSM on XX/XX/2015.  The Servicing Disclosure Statement states: "we may assign, sell, or transfer the servicing of your loan..."

In XX/XX/2015 I started receiving letters from XXXX my new servicer, including the monthly bill for the XX/XX/XXXX payment. However, I did not receive any information from RSM informing me that my loan servicing has been transferred.  I also received a letter XXXX telling me that I do not have Hazard Insurance properly listing XXXX as loss payee. 

On XX/XX/2015 I called RSM at XXXX to confirm whether or not my loan was truly transferred from them XXXX - they could not locate my loan #; they could identify me by my SSN, nor the property address. 

This information is for training purposes for RSM's Call Center (I will not use their names as I do not want anyone fired - just train them!)
•	Person XXXX could not help me at all, so I asked her to be transferred to her Supervisor
•	Her Supervisor, Person #XXXX - told me that I called the wrong number and should be calling their corporate office at XXXX.  When I told her that that's exactly the same number that I dialed, she put me on hold and I went back the same Call Center line. 
•	Then Person #XXXX picked-up - I had to explain the same situation to her and asked to talk her Supervisor. Person #XXXX advised me that I should wait for couple of more days and call back because the loan is new and probably did not get booked in their system yet. Then I asked how long does it usually take to book the loan - her response was XXXX days.  So I told her that there is no point for me to wait.  I need a confirmation that my loan was truly transferred and asked to speak her supervisor again. After putting me on hold, Person #XXXX  came back telling me that she spoke to her Supervisor and there is no point to transfer me to her as she will tell me the same thing - this time is to call XXXX and confirm whether or not my loan was transferred to them.  As I explained to Person #XXXX  - what if I received a letter from a fraudulent mortgage company claiming that they purchased my loan, of course, if I would call the same number on that letter, they would confirm. I need a confirmation from RSM that they transferred, before I make my payment and call my Hazard Insurance company requesting a change (every time I change, I get charged). What I explained to Person #XXXX is based on what she told me, RSM's Call Center has no idea where my loan is. I also advised her that I will filing this complaint today. The only reason why I believe that most likely XXXX is my new servicer and is not a fake company is because it was in the news recently, thanks to CFPB. 

I believe RSM owes me a disclosure informing me that the loan has been officially transferred for my documentation purposes.
Product: Debt collection

I held a credit card with Citibank for which an annual fee was billed to me on XX/XX/2018. A couple of weeks later ( on or around XX/XX/XXXX) I discovered that Citibank had unilaterally closed all of my accounts with the bank.

When I called Citibank to discuss the annual fee after learning my account had been closed, the representative informed me that since the account was closed within thirty days of the fee being billed, the fee would be automatically refunded.

When the following statement came with the amount still listed as past due, I promptly called Citi and a representative assured me the refund would be issued on my next statement. Of course, that didn't happen either and when the next statement came, I was pretty upset to see the amount still being billed to me.

As a result of my next call to Citibank Customer Service on XX/XX/XXXX, I was informed that " since the account was closed, the membership fee will be credited within 1-2 billing cycles. '' My latest statement still showed the amount past due, but since the previous phone rep had quoted me at 1-2 billing cycles it seemed pointless and unnecessary to call customer service again.

I happened to log into my online account this evening for an unrelated matter, however, and saw a notice that the account in question is now being sent to collections.

I have attached my statements related to this account since this issue began ; however, please note that Citi 's statements do not accurately reflect that the account is closed. Each statement shows an available credit limit of {$5000.00}. Therefore I am also attaching a screenshot from my online account that correctly indicates the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a a letter to each credit bureau, XXXX, Equifax, and XXXX on XX/XX/2023 to correct some errors on my credit report. I have attached the letters that were sent to each bureau and none of the bureaus responded to my letters. There are accounts that are reporting totaling different amounts to each bureau for the same account which proves inaccuracies. I have not received anything back from any of the bureaus and its been over 45 days..
Product: Bank account or service

On today, Friday, XX/XX/2017. I went into the 5/3 bank to open myself a bank account. I bought in my two paychecks. At first I was told by the representative that I could not cash the checks because the signature from the XXXX, my boss, looked different. So, I called the XXXX. Then, I was told by your representative that because I called from my cellular phone it could not be used as a verification. So, I had them talk directly to the XXXX from the bank phone. 
I was simply just trying to open a basic account. I am now working a very good job. I need a bank account. My son XXXX need direct deposit. I need a bank account. I am thinking, wow, finally my life is coming together. But, then, not only did your mean, disrespectful, harassing, and bullying representative hold one of MY checks and refuse to return it, but said that I would be opening two accounts that would incur ME fees. And, when I refused and said I simply wanted a basic account, I was told that it was too late because the paper work was already done and I was n't getting my check back. I could have ranted and raved, but in public, that would have been distasteful, and I was n't going to take a chance on being escorted out by security. This person had both MY checks. I decided to contact 5/3 corporate, because I want this matter solved. I have decided that I want to change banks. After this incident, I do n't think 5/3 is for me. I would like all my money back. Also, if there is a problem handling this matter then my Attorney will contact you. I am outraged. I am really outraged, but I am also trying to hold my disposition. Let 's try to resolve this matter as quietly and as quickly as possible. Please contact me at the email or number noted above. Also, as far as the representative is concerned I am hoping that some sort of discipline would suffice. I refuse to allow my sons XXXX to be handled by your bank. He would probably never receive his XXXX waiting on the HIS funds to be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

So its an overdraft on my XXXX XXXX account for a closed account check that I didnt know was close that I receive and I was wondering why do I have to pay the bank back if the check was bad or the account was closed and Im trying to get another bank account but I cant do to the overdraft fees that been placed on my credit report!!!!!!
Product: Vehicle loan or lease

I tried paying off the principal of the loan early, but when I went online the there was a max allowable amount of {$4900.00} daily. I called customer service to pay and they also told me they were maxed at the same amount. The loan contract I have clearly states you may prepay all or part of the unpaid part of the Amount Financed at any time without penalty l. This is a breach of contract on the loan terms I signed.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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

Upon reviewing my credit report, I've noticed unfamiliar items that seem to indicate potential XXXX XXXX, as I did not authorize these accounts. This issue has been previously discussed, and I am now requesting expedited removal of these accounts from my report. Their presence is causing considerable stress as they do not accurately reflect my credit history or financial responsibility. Dealing with this situation has been challenging, and if a resolution can not be reached, I am prepared to pursue legal action to safeguard my rights and find a resolution. These inaccuracies are significantly hindering my ability to achieve important financial milestones, such as purchasing a home and supporting my family. I sincerely hope for a swift resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the Equifax data breach may have got into the hands of the wrong person.
Product: Debt collection

Hi FAIR COLLECTIONS AND XXXX XXXX XXXXXXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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 Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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: Checking or savings account

At Bank of America at the XXXX XXXX on XXXX XXXX at the cross Streets of XXXX XXXX and XXXX XXXX in XXXX, Maryland. Ive been having problems receiving money/ deposits in my checking account. Im suppose receive {$3000.00} in pension money on the 1st of every month and will receive a refund in my account as a refund next week from XXXX XXXX in XXXX XXXX VA but the headquarters are in Florida and I will receive other retirement allocations soon. I have fears about receiving this money because of prior complaints.
Product: Mortgage

I received a letter from my tax office in XX/XX/2020 stating there was a delinquent balance on my real estate taxes of {$2800.00}. The taxes are included in my mortgage payment in escrow. I immediately contacted my mortgage company and emailed them the letter. They assured me they would look into the problem and resolve the problem. A few weeks later I received another letter from the tax office indicating a tax sale is scheduled for XXXX. I called again on XX/XX/XXXX, told them about the second letter and emailed that one as well. I was told, yet again, the problem would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I called the tax office to confirm that the mortgage company had taken care of the delinquent payments only to be informed they had not and my balance was now {$3900.00}. I again called them and asked to speak with a manager who informed me the only thing she could do was expedite my case and it should be taken care in 3-4 business days. When asked why the payments weren't being made her response was, " I don't know, I can't answer that. '' In the meantime, a tax sale situation is taking place and the tax office is not concerned that this isn't my fault, they are just concerned about getting the balance owed. I pay my mortgage every month on time and this is unacceptable and negligent action on behalf of the mortgage company.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. And there is also a violation of code 15 USC 1681s-2. Also according to the FCRA a consumer reporting agency must provide reasonable procedures to assure the maximum possible accuracy of the info concerning the individual about whom the report concerns. : STUDENT LOANS : DEPT OF EDUXXXX XXXX XXXXXXXX, DEPT OF EDUXXXX XXXX XXXX $ XXXX, DEPT OF EDUXXXX $ XXXX XXXX DEPT OF EDUXXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/2023 ALLEGED ORIGINAL CREDITOR : XXXX XXXX ALLEGED DEBT COLLECTER AGENCY : PROFESSIONAL DEBT ALLEGED AMOUNT OWED : {$3900.00} ALLEGED ACCOUNT NUMBER : XXXX DEAR PROFESSIONAL DEBT I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AN ALLEGED DEBT RECENTLY. PLEASE BE ADVISED THAT I HEREBY DISPUTE THE VALIDITY OF THE ABOVE-LISTED ALLEGED DEBTS IN ITS ENTIRETY. I REQUESTED VERIFICATIONS/VALIDATION OF THE ALLEGED DEBT AND SPECIFICALLY REQUESTED A COPY OF THE ORIGINAL CONTRACT OR AGREEMENT SIGNED BY THE ALLEGED ORIFINAL CREDITOR AND ALL PARTIES TO ANY SUCH CONTRACT PROVIDED. NOTE : A BILLING STATEMENT, NOTICE OR ANY UNSIGNED DOCUMENTS IS NOT VERIFICATION OF THE ALLEGED DEBT. YET YOU SEND A BILL STATEMENT WITH NO CONTRACT OR SIGNITURE PROVING THAT THIS ALLEGED DEBT IS MINE AND LIED ABOUT PROPERLY VERIFYING THESE ACCOUNTS. MAIL WAS RETURED FROM ADDRESS BECAUSE THAT IS NOT MY ADDRESS. 
I RECEIVED A LEASE AGREEMENT WITH APPEARS TO BE AN AUTOMATED COMPUTER-GENERATED SIGNATURE THAT IS NOT MY SIGNITURE AT ALL AND YOU SENT AN COPY OF A VERY OLD LICENSE THAT WAS STOLEN ALONG WITH MY ENTIRE PURSE. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTIONS ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAS ). PROVIDING ME THE SPECIFIC VERIFICATION DOCUMENTS ABOVE SHALL BE DEEMED COLLECTIONS ACTIVITY. FURTHER, I REQUEST THAT YOU PROMPTLY DELETE ANY AND ALL PRIOR CONSUMER REPORTING MADE TO ANY CRAS.IF YOU COMPLY WITH MY CEASE COLLECTION & DELETEION REQUESST, THEN YOU ARE EXCUSED FROM VERIFICATION. IF YOU OPT OUT TO PROVIDE VERIFICATION, ALSO PROVIDE PROOF OF THE CHAIN OF TITLE OF OWNERSHIP OF THE DEBT. IF THE ALLEGED DEBT WAS ACQUIRED BY A DEBT BUYER, THEN PROOF OF CHAIN OF TITLE OF THE ALLEGED DEBT MUST BE FROM THE ALLEGED ORIGINAL CREDITO TO THE CURRENT ALLEGED OWNER WITHOUT ANY BREAK IN CHAIN. NOW, I KNOW THESE ACCOUNTS IS IN VIOLATION OF MY RIGHTS AND I KNOW YOU THINK YOU'RE GETTING OVER BY PLACING DEBTS YOU RANDOMLY GOT FROM YOUR DEBT BUYER ON MY CREDIT REPORT AS A WAY TO TRY AND HURT ME, BUT THIS WONT FLY WITH ME. YOU HAVE 15 DAYS FROM THE DATE OF THIS LETTER TO SEND EVIDENCE THAT THIS ACCOUNT IS MINE. I WILL NOT ACCEPT ANOTHER BILL ONLY THE ORIGINAL CONTRACT WITH MY SIGNITURE! I TRUST THAT YOU WILL DO YOUR DUE DILIGENCE AND UPHOLD THE 105 REGULATIONS SET OUT FOR YOU IN THE FDCPA AND FCRA AND YOU WILL BE DELETING THIS ACCOUNT, BUT I ALSO DO WANT YOU TO KNOW THAT I KNOW MY RIGHTS! THIS LETTER IS EEVIDENCE THAT MAY BE PROVIDED TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORIZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I WILL TURN THE MATTER OVER TO A CONSUMER ATTORNEY. 
SINCERELY XXXX XXXX
Product: Credit card

Navy Federal Credit Union has blocked all access to my account but continues to send me email notifications that my credit card statement is viewable online. However, they have disabled my online access and I have not received a paper bill in the mail in two months. This is a direct violation of the fair credit reporting act which requires creditors to provide statements to customers monthly. Furthermore, Navy Federal Credit Union is trying to place fraudulent charges back on my credit card for transactions that were not authorized by me and XXXX credit cards had fraud on them from being lost. Navy Federal has not been compliant with resolving my concern and advised that I retain an attorney. However, they can not provide me with sufficient evidence to support their claim for trying to rebill my credit card. Furthermore, since they failed to mail statements accordingly I was under the impression that I had sufficient funds in my checking account to make my minimum monthly payments but I did n't and was several days late making the payment. How am I to view my credit card statement online when my online access is frozen?
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries 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 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 Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : 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 XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

RoundPoint Mortgage Servicing Corp. keeps charging us for flood insurance that we do n't need. We have adequate flood insurance and have provided documentation to them numerous times. They assure us that they have the information, and then we get a bill for flood insurance that they have purchased for us.