23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX I was going to refinance my house and it was appraised for $ XXXX. I decided not to do it because I wasnt sure what my long term plans were. In early XXXX I was going to sell my house and had an accepted offer of $ XXXX. We didnt go through with the sale because Covid quarantine. During quarantine I decided to stay at my house and invested about $ XXXX in home improvements. Also during this time the market increased with everyone wanted to move out of the city to XXXX XXXX. In the fall of XXXX I decided to refinance since the rates were low and I wanted to do more projects in my house. I paid {$540.00} for my appraisal and the appraisal came back at $ XXXX. I called them and told them that it was impossible that my house decreased in value since everyones houses increased during covid and I did home improvements. I was told to send them comps from my neighborhood and also news article about the housing market in my area. At this point months have gone by. Finally in early XXXX they told me that I would need a new appraisal and I said ok if they paid. They said they couldnt pay for it but would give me a credit at the closing for the amount. Again I paid the {$540.00} for the appraisal and it came back at $ XXXX which I was ok with. I looked online and there was a new application number and I was then told I had to resubmit all my documentation again. I sent new payroll information and they told me they would transfer some of the other documents. I completed everything and then I never heard from anyone again. No one responds to my emails or calls. I just want my {$1000.00} back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute requests to Transunion,XX/XX/XXXX and XX/XX/XXXX to remove the addresses that I am not familiar with and do not belong to me. I have sent off this request every 30 days since XX/XX/2020, I have attached my license, ss card, utility bill and bank statements to show my correct address which is : XXXXXX/XX/XXXXXXXX XXXX, TX XXXX I need all other addresses that are not related to me removed from my XX/XX/XXXX,XX/XX/XXXXand Transunion reports.
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 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 : INQUIRY : 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: Payday loan, title loan, or personal loan

I took out an XXXX loan and was paying XXXX back each for 6 months XX/XX/XXXX was my last payment and here is where the problem lies there interest rate was sooose to be 15 % wich I was fine with but when the last payment came out the charged me XXXX and I was wondering why I called them and they said all I was paying was interest and some sort of taxes on it because I was in the state of Texas so long story short I ended up pay almost XXXX dollars on an XXXX dollar loan this type of bissness practice is unexceptionable and is worng when I found out about this told them sto scrub my information off there system my loan was paid off to wich they replied that the couldnt completely Romove me form there system I told yes they could and in fact by law the had to because I asked
Product: Credit card or prepaid card

I was booking a flight on the XXXX website on XXXX XXXX XXXX for a flight trip on XXXX XXXX It showed me a promotional where it showed if I were to apply for the " DELTA SKYMILES GOLD AMERICAN EXPRESS CARD '' and get approved I would XXXX $ statement credit fir this flight booking and would be able to use the card this booking. But aftwr I got approved I was not given any instant account information and after spending 2-3 hours with various agents on calls who provided fake promises saying I could get an expedited delivery only to be negated by the next agent. 
I would not apply for this card if the promotional wasn't shown and that it said I could use it for my present flight booking. 
Now if I wait till XXXX XXXX to book for a XXXX XXXX flight, the price would become exponentially high. 

This was classic manipulation and deception on part of American express and none of their agents gave me a solution in stone except fake promises.
Product: Checking or savings account

On XX/XX/year> I went to my bank to get funds from a CD I had with them and was told they could not find any information pertaining to my CD account. On XX/XX/year> I contacted customer service at Wells Fargo and was told that they would not be able to help me with collecting my money because they couldnt find any records. The CD was originally purchased XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX Requested information for XXXX  XXXX XXXX XXXX. Call to XXXX XXXX name XXXX XXXX. XXXX said Equipment Still on sale. XXXX XXXX @ XXXX I Want {$25000.00}. XXXX XXXX me Company Account Information. I sent Money To RHN Heavy Equipment account number:XXXX. Routing number:XXXX by wire from my Bank of America to XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) [ XX/XX/year> ] Subject : XXXX XXXX XXXX XXXX XXXX for Violations of The Fair Debt Collection Practices Act and Consumer Law Rights Violations Dear CFPB Complaint Review Team, I am submitting a formal complaint against a collection agency, XXXX XXXX XXXX, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX has engaged in unfair and illegal practices that infringe upon my rights as outlined under federal regulations. I am requesting the CFPBs assistance to ensure XXXX XXXX XXXX ceases these violations and provides all required disclosures. 

Specific Violations : 1. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Lack of Dispute Opportunity : XXXX XXXX XXXX has failed to provide me with any opportunity to dispute the alleged debt. Under this regulation, a debt collector must clearly inform a consumer of their right to dispute the debt. I was not afforded this opportunity and was denied my legal right to dispute.

2. Violation of 12 CFR 1006.34 ( b ) ( XXXX ) Failure to Provide Validation Information : XXXX XXXX XXXX has failed to provide me with the legally required validation information about this debt. Instead, they have reported the debt to consumer reporting agencies without offering the necessary disclosures or verifying the accuracy of the information. This lack of validation information denies me the transparency to which I am entitled.

3. Violation of 12 CFR 1006.34 ( d ) Failure to Provide Required Disclosures : The agency has not provided any of the mandated disclosures under 1006.34 ( d ), including essential information related to the debt and my rights as a consumer. The lack of required disclosures prevents me from understanding or verifying the alleged debt.

4. Violation of 15 USC 1681s-2 ( 7 ) ( A ) Unauthorized Reporting and Permissible Purpose Violation : XXXX XXXX XXXX is in clear violation of 15 USC 1681s-2 ( 7 ) ( A ) by reporting an alleged debt to consumer reporting agencies without providing the necessary disclosures or obtaining authorization. Additionally, the agency accessed my consumer report without a permissible purpose, a violation of FCRA. The use of false, misleading representations and deceptive practices further illustrates their unlawful tactics. 

Request for Resolution : I am requesting that XXXX  XXXX XXXX be required to : Provide full validation information and all disclosures associated with the alleged debt as required by law. 
Cease reporting the debt to consumer reporting agencies until proper validation has been completed. 
Refrain from accessing my consumer report or reporting information without a permissible purpose or without fulfilling all legal requirements. 
Thank you for your assistance in holding XXXX XXXX XXXX accountable for their practices. I look forward to your investigation into these issues and an outcome that enforces my rights under federal law.
Product: Debt collection

A company name d Midland Credit Management ha s been hounding me for years over an alleged  XXXX  debt. The debt in question was bogus in the first place, and is well beyond the statue of limitations anyway. I have repeatedly made them aware that the debt is not legitimate. I have even succeeded in getting them to admit it themselves, several times. They have also admitted it is past the statute of lim itations. They have never affected my credit report, they have made it clear that they can not and will not persue legal action against me, and they are usually fairly polite. They just NEVER STOP CALLING. I have made dozens - if not hundreds - of requests for them to stop contacting me. I receive 2-3 letters a month, and a minimum of 3 phone calls a day. When I block the number, they just call back from a new one a few minutes lat er.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax has now reported a delinquency on my XXXX XXXXXXXX account in the amount of {$700.00}, I was denied credit as a result. I have contacted an attorney about all the INACCURACIES AND THE UNVERIFIED information on my credit report. The {$700.00} was actually a credit line INCREASE! XXXX XXXX has reported to them that my account is current and active, but Equifax REFUSES to correct it, stating that the verified that the information is correct, the LIED! I am enclosing a letter from XXXX XXXXXXXX XXXX as well as a current XXXX XXXX XXXX statement. This is affecting my credit! Also, I think it would be fundamental for them to know that XXXX XXXX also issued me another card for the amount of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/FBC mortgage reported to the credit bureaus that I was 30 days late on a payment, which was reported on XX/XX/2020 and yet my loan was paid off on XX/XX/2020. After 20+ phone calls to XXXX I did not get one satisfactory answer as to when this late payment was. I filed 3 different disputes with XXXX and received the same uninformative answer which was their report was correct and no proof or date of said late payment.
Product: Debt collection

I changed Auto Insurance Companies and for some reason XXXX XXXX thinks I owe them {$190.00}. I have requested written verification of this debt and unfortunately every time I do the debt is sold off to a different collection agencies.
Product: Credit reporting or other personal consumer reports

I applied for a mortgage in XX/XX/XXXX. The mortgage lender shared that he did not see any issues with me being approved based on the two credit reports he pulled but he was required to use all three reports. They were not able to get the report from XXXX. The lender and I called separately and on a three way call, They told use that there were no blocks on the report and the company should be able to pull it but everytime they tried, the were not successful. I tried another bank, they also said they don't see a problem with approving me for the loan based on the two reports they received but they need to see the XXXX report but it eas coming back with a message, " no hit ''. When I called to give XXXX permission to release my credit report, they stated, the bank should be able to pull it. I spoke to XXXX supervisors but they were not able to tell me why I'm having the problem. After calling XXXX at least 10-15 times, I reported the issue to CFPB on XX/XX/XXXX and they sent back the response from XXXX stating there is no hold on my credit report. I went back to the same bank in XX/XX/XXXX and they still were unable to pull the report and received the message " no hit ''. I applied for a mortgage with a new lender in XXXX and they were not able to access one of my credit reports. This is a huge financial strain on me, I should be able to purchase a home instead of paying expensive rent.
Product: Debt collection

On XXXX of XXXX I rented a car in XXXX, NC using my XXXX XXXX credit card that had a premium rental car insurance benefit provide by XXXX XXXX XXXX. While we had the car it was damaged in a parking lot when we were not with the vehicle. When I returned the vehicle to XXXX on XX/XX/XXXX I reported the damage and provided my insurance information. 
Several weeks passed and I received a letter in the mail from XXXX. I opened it to find a cover letter from XXXX XXXX that stated " see enclosed documentation '', however there was no additional documentation just the cover letter. The only contact information was an email, XXXX. I email XXXX XXXX XXXX times over the next several weeks asking XXXX XXXX to let me know what was going on since I had no documentation. 
Because I had no information whatsoever to indicate that XXXX was trying to get me to pay, I made another reservation ( ID # XXXX ) with XXXX as a '' Gold Member '' member number XXXX The reservation agent did not mention any issues with my account. When I arrived at the XXXX XXXX on XX/XX/XXXX I was told they would not rent me a vehicle because I was on the rental suspensions list. 
This was my first indication that there was an issue with my XXXX account. 
I contacted XXXX XXXX XXXX directly and was told to file a claim. XXXX XXXX XXXX made and claim and they received information from XXXX asserting that the total amount due was {$1300.00}. XXXX XXXX XXXX made an initial payment of {$660.00} on XX/XX/XXXX for Collision and Comprehensive. They also communicated with XXXX that XXXX had not provided the required documentation to substantiate the Admin Fees, Diminishment of Value, and Loss of Use claims. Since that time XXXX XXXX XXXX has attempted numerous times to get XXXX to submit the paperwork. 
Instead XXXX turned the file over to First Financial Asset Management ( FFAM ) and they began harassing me with debt collection phone calls. They are attempting to collect the full amount of {$1300.00} despite the previous payment of {$660.00} made by XXXX XXXX XXXX. I have explained all of this to FFAM several times and the case manager, XXXX XXXX, is aware of the facts. 
Nonetheless, FFAM continues to call frequently and often they do not speak, but just disconnect. Every time I try to explain to the telephone agent that XXXX XXXX XXXX is trying to pay the claim, if XXXX would only provide the documentation, the say they they do not have that information. FFAM 's calls are recorded and the recording will provide evidence of their ongoing disregard for the facts. 
XXXX XXXX XXXX continues to get FFAM or XXXX to provide the required, industry standard documentation to process the claim. 
XXXX XXXX XXXX continues to get FFAM  or XXXX to provide the required, industry standard documentation to process the claim. Then sent a request by email on XX/XX/XXXX and have made several attempt to reach XXXX XXXX by phone. So far there has been no response.
Product: Credit card or prepaid card

My Citibank credit card p ayment was due on  XXXX   XXXX ,   XXXX   which was a Sunday. My bank processed the electronic payment on Monday  XXXX   XXXX .  Citibank di d not process this payment until  XXXX   XXXX  and charged my account a late fee of {$35.00} and interest of {$39.00}.   I  called Citibank and re quested a refund of both the late fee and interest charges but they refused to refund the late fee or interest.     I have enclosed a copy of my bank statement and credit card statement.
Product: Debt collection

My son was on a field trip at XXXX XXXX GA. I received a call that he was shoplifting. He said he wasn't. The schedule was responses for monitoring the children. I was told they were not going to the main exchange and then later found out they were not monitoring them and several students went to the main exchange. I received a letter stating that I owe {$200.00} for the recovery act. I tried to appeal to AAFES and they denied it. I then get a letter that it went from {$200.00} to {$220.00} AND is on my credit report. I only received 1 letter then a collections letter. Never had instructions on how to dispute. I googled it. It took 2 months for a response. My son has never been in trouble before. I was told they recovered everything. Why is there a recovery fee?
Product: Checking or savings account

I am writing to formally complain about a wire transfer I made to a fraudulent Citibank account ( Account Number : XXXX ) in the amount of {$90000.00}, intended to assist my sister with her home closing in the process of a house purchasing. 

The wire transfer was initiated through my bank, XXXX, on XX/XX/year>, around XXXX XXXX. Upon discovering that this account was fraudulent, I contacted XXXX on XX/XX/year>, at approximately XXXX XXXX to initiate a wire recall. Citibank subsequently requested a letter of indemnity and a police report. XXXX has provided the requested documents, sending the letter of indemnity on XX/XX/year>, and the police report on XX/XX/year>. 

However, on XX/XX/year>, XXXX informed me that Citibank had declined to return the funds. Citibank stated, " PLEASE BE ADVISED THAT WE HAVE CONTACTED OUR CLIENT FOR DEBIT AUTHORITY ON A NUMBER OF OCCASIONS, BUT AS OF TODAY, HAVE NOT RECEIVED A RESPONSE IN REGARDS TO YOUR RECALL REQUEST. WE RESPECTFULLY SUGGEST THAT THE REMITTER AND BENEFICIARY SETTLE THIS MATTER DIRECTLY. '' ( Reference number : XXXX ) Despite my and Chases efforts to provide evidence of the fraudulent nature of the transaction, Citibank has neither acknowledged the fraud nor responded to XXXX regarding the documents submitted.
Product: Credit reporting or other personal consumer reports

THIS LETTER IS A FORMAL COMPLAINT THAT XXXX, HAVE IGNORED MY PREVIOUS REQUEST AND FAILED TO COMPLY WITH THE PROCEDURES TO ASSURE MAXIMUM ACCURACY IN THE CREDIT REPORTS YOU PUBLISH!! I HAVE EMAILED YOU ALL THE FACTS ABOUT A ; LATE PAYMENT ON MY CREDIT REPORT FROM XXXX XXXX ... THE INFORMATION IS INACCURATE, XXXX IS NOT READING MY DOCUMENTION PROVING THAT I WAS NOT AT FAULT AND THAT THIS BANK WAS HASTY IN PUTTING A LATE PAYMENT OF {$11.00} ON MY ALMOST PERFECT CREDIT REPORT ... WITHOUT MAILING A INFORMED LETTER WITHIN 21 DAYS OF DOING THIS ... IM NOT RELYING ON XXXX XXXX SINCE THIS BANK IS TOTALLY OUT OF TOUCH WITH THEIR LONG TIME CUSTOMER 'S AND THIS BANK HAS TOTAL DISREGARD FOR THEIR CUSTOMERS WELL BEING AND THIS BANK IS BLATANTLY NOT FOLLWING THE PROTOCOL UNDER THE LAW THAT GOVERNS LATE PAYMENTS. .THE COMPUTER GENERATED RESPONSE I RECEIVED IS UNACCEPTABLE, AND I AM LOSING PATIENCE..IF THE INFORMATION IS NOT IMMEDIATELY REMOVED, I WILL BE FORCED TO SEEK LEGAL COUNSEL FOR RELIEF THROUGH THE COURT AND FILE COMPLAINTS WITH REGULATARY ENFORCEMENT AGENCIES, FTC AND MY STATE ATTORNEY GENERAL..REMOVE THIS INCORRECT INFORMATION AT ONCE AND SEND ME AN UPDATED COPY OF MY CREDIT HISTORY REPORT.I ALSO REQUEST THAT YOU PLEASE SEND NOTICES OF CORRECTIONS TO ANYONE WHO RECEIVED MY CREDIT REPORT IN THE LAST 6 MONTHS..BY THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT ... 15 U.S.C. SEC 1681i ( a ) YOU MUST COMPLY AND OVER RIDE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my new updated credit report, I realized that the same account was erroneous. The 3 credit bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$440.00}