23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Began communications with Intercontinental on XX/XX/2019 with XXXX XXXX Mortgage Loan Officer at Intercontinental Capital Group, NMLS:XXXX. We talked about the FHA streamline loan in which they sent out a letter saying that I qualified for it. XXXX proceeded to ask for my competitor 's quote who was at the time XXXX XXXX  company to see if they could beat it. He proceeds to say per the email on the XXXX that he would call me back to see if they could beat it. Mind you that every firm has had my estimated taxes for 2019 and beyond to be at least {$700.00} as you can see on XXXX XXXX  quote attached and also you can see on Intercontinental Capital Group 's initial loan commitment they quoted me that my taxes would be {$710.00}. 

I closed on the loan on XX/XX/XXXX with the understanding that my new payment would be {$1700.00}, down from the {$2500.00} that I was paying previously with my old loan servicer. I was promised that everything was correct and that there was no error in my new price quote for closing. Please refer to this email between me and XXXX XXXX From : XXXX  XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/2019 XXXX XXXX  To : XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX XXXX - Loan Commitment " I'm not comfortable with signing with a notary until I hear back from you all on final details on my loan. I still have some questions that have yet to be answered about my interest rate and final numbers and also about my escrow account from my previous loan being sent back to me. '' The next email sent came from the individual below who set up a phone call to ensure that the final number was correct and that my escrow account was on without error for closing. 

XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  to me For sure, I will be calling you shortly, our closer is working on your file. 

They proceeded to send my loan for closing to XXXX XXXX XXXX who was aware of the entire situation of the taxes being intentionally filed short of required standards. 
Their contact information is below. 

XXXX XXXX Escrow Officer/Office Manager XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Ext : XXXX Fax : XXXX Email : XXXX XXXX XXXX short I was given a misquoted escrow account at my expense due to negligence and shrewd underwriting practices of the Intercontinental Capital Group. To explain further they sold the loan to XXXX  XXXX XXXX XXXX shortly after they refinanced my loan. And now XXXX  XXXX XXXX XXXX wants me to pay for the negligence and shrewd underwriting practices of the Intercontinental Capital Group.
Product: Credit reporting or other personal consumer reports

Notice for the agent is notice for the principal applies under this notice This letter serves as my formal dispute regarding the repeated and knowingly false reporting of my XXXX XXXX account status. Despite previous attempts to resolve this issue, XXXX XXXX  XXXX continues to report my account as late and past due even after it has been charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates that furnishers of credit information report accurately.

Violation of FCRA and Intentional Misreporting Under the FCRA, furnishers are required to update and correct inaccurate information. XXXX XXXX  XXXX has knowingly failed to fulfill this obligation, engaging in misleading and damaging behavior. Reporting an account as late after it has been charged off creates ambiguity, which has materially impacted my creditworthiness and caused significant financial and emotional harm. 
The case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, establishes that a furnishers failure to conduct a reasonable investigation after receiving notice of a dispute from a credit reporting agency violates the FCRA, making them liable for damages. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, highlights that ambiguous reporting tactics can result in willful noncompliance.

Prior Notifications and Inaction This is my third written dispute regarding this issue. Each time, your organization has acknowledged receipt but failed to resolve or rectify the situation in a timely manner, as required by the FCRA. Despite my documented efforts, XXXX XXXX  XXXX continues to report erroneous information, directly violating Federal Trade Commission guidelines on data furnishers. 
Demand for Compensation and Immediate Rectification Given the ongoing damage to my credit score, emotional well-being, and financial standing, I am seeking the following : Immediate correction of the account reporting to reflect its accurate status post-charge-off without indicating past due balances. 
Compensation in the amount of {$5000.00} for noncompliance, negligent misrepresentation, and emotional distress as stipulated under XXXXXXXX XXXX XXXXXXXX. 
A written apology acknowledging the failure to comply with the FCRA and your legal responsibilities. 
Failure to comply within 10 business days will leave me no choice but to escalate this matter through formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and file a civil suit under the FCRA for damages. I expect prompt action to resolve this issue and avoid further escalation. 

Please send all responses to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX [ XXXX ] without prejudice, all natural inalienable rights reserved.
Product: Credit reporting or other personal consumer reports

Did your employee XXXX XXXX XXXX XXXX make fraudulent transactions for illegal immigration scam XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX escrow account checks in my name thanks to your employee arrangement enabled him to do it as cover of a fake loan as XXXX use my good loan paid up in full XXXXXXXX XXXX XXXXXXXX and XXXX XXXX still desperately determined to conceal the mortgage fraud. 


TO CONTINUE NOT TO ANSWER IS FRAUD IN ITSELF AND IF YOU CAN'T SIMPLY SAY NO THEN IT IS TRUE. 


The CFPB MUST FINE YOU. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report, as these items are the result of identity theft.
Product: Debt collection

Contacted by Williams and Fudge Inc. on XX/XX/XXXX about a debt " owed '' to XXXX XXXX XXXX from XXXX. I appealed this debt with XXXX in XXXX, and have had no contact since. Debt is beyond the Statute of limitations in all 3 of : the state the debt originated in, the state I currently live, and the state in which collections agency resides. Agency 's collection practices violate timelines mandated in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with a credit Karma concerning my credit report .there is a car loan on my report from XXXX XXXX XXXX The account is closed but there still reporting, reports on my credit report..Like on XXXX XXXXmy balance increased but my score still went up XXXX points with this XXXX XXXX XXXX and thats just one thing.and ever time i contact credit karma the phone hangs up .Now on my report it says o accounts needs my attention .but im getting emails from credit karma saying my credit acceptance account needs some attention..and thats just to start.who ever is sending it are not the original loan houlders..please help XXXX XXXX XXXX... ..Thank you
Product: Debt collection

This has now been ongoing for several years. I have made every possible attempt to work this out with National Credit Adjusters, but they continue to lie and report false information. 

Two months ago I desperately paid the debt because Im in the process of buying a home, after they told me they would post the correct dates ( the debt being 7 years old instead of 1 ) if I paid the debt. They also claimed they would immediately post the correct info and report it as paid. So I did. Even though its not even correct, and if the correct dates were posted it would be too old to be on my account regardless. 

Its now been two months. Ive reached out to all credit bureaus and they tell me the new reports just came in and NCA continues to report the debt as 1 year old, and non-paid.
Product: Debt collection

I am writing to formally express my deep concern and dissatisfaction regarding the recent credit reporting issue that has significantly impacted my credit score. The purpose of this communication is to file a formal complaint and seek resolution for the reported debt, which I believe is unjust and has negatively affected my financial standing. 

Background : I resided at XXXX XXXX XXXX for a period of XXXX years. Upon the expiration of my initial lease, my wife and I applied to renew the lease, and the property manager initially agreed to the renewal. However, in the final week before the lease expiration, we were informed that we were required to move to a larger two-bedroom apartment with a higher rent of {$1600.00} due to the presence of our infant daughter in the family. Feeling left in limbo, we reluctantly searched for alternative housing and vacated the premises before our lease expired. 

Subsequent Issues : Following our abrupt departure, there was a complete lack of communication from the property manager. Unexpectedly, my wife 's and my credit scores were adversely affected by the reporting of a debt that we had no prior knowledge of. Notably, the debt collector failed to contact us before reporting the negative credit score, leaving us blindsided by this detrimental impact on our financial profile. 

Current Actions Taken : Upon discovering this issue, I promptly contacted the collection agency on XX/XX/XXXX to address the reported debt. However, to date, no tangible action has been taken to rectify the situation. The credit reporting date, XX/XX/XXXX, indicates that the negative credit entry was made XXXX XXXX after our relocation from the apartment. 

Request for Resolution : In light of the circumstances outlined above, I am formally requesting a thorough investigation into this matter. I kindly ask for the following actions to be taken : Validation of Debt : I request proper documentation validating the legitimacy of the reported debt. 

Dispute Resolution : I ask for your assistance in disputing the inaccurate debt reporting with the relevant credit reporting agencies. 

Explanation and Rectification : I seek a clear explanation for the reported debt and the subsequent negative impact on my credit score, along with appropriate measures for rectification. 

Communication : I request open and transparent communication regarding the resolution process and any further actions required on my part. 

I trust that you will address this matter promptly and fairly. If necessary, I am prepared to seek legal counsel to ensure that my rights are protected and that this issue is resolved in accordance with applicable laws. 

Thank you for your attention to this urgent matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

i have provided proof to the lender and experian of not only my payments but over payments as well to close out my account and i was sent to collections for a charge off amount of XXXX $ when my account had been way more then paid off by my insurance company due to a total loss.
Product: Vehicle loan or lease

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. ALLY FINANCIAL account # XXXX claimant 's offer to perform ( pay with FRNs ) upon REMOVAL OF LATE PAYMENT. PURSUANT TO TITLE 15 U.S. CODE 1666b ( a ) A creditor may not treat a payment on a open account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title. I have received my credit report, from XXXX, XXXX and XXXX. I have contacted ALLY numerous times and even disputed it with the Credit Bureau. I am requesting a goodwill adjustment to remove the late payment in order to re- finance my home. I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payment is reported to XXXX, XXXX and XXXX XXXX and I am requesting removal of this one 30 day late payment ( XX/XX/2023 ), as it has been reported to the bureau 's. Please remove XXXX payment
Product: Credit card or prepaid card

Dear Sir/Madam, I hope this email finds you well. I am writing to express my deep concern and frustration regarding an ongoing issue I am facing with American Express, specifically concerning the transfer of points from my Membership Rewards ( XXXX XXXX account. The purpose of this email is to bring to your attention the challenges I have encountered and seek assistance in expediting a resolution to this matter. 

For the past week, I have been attempting to transfer points from my American Express XXXX XXXX to another loyalty program. However, despite following the designated process and fulfilling all necessary requirements, I have been met with significant roadblocks. Each time I try to initiate the transfer, I encounter error messages and obstacles that prevent the successful completion of the transaction. 

What adds to my frustration is the response I have received from American Express customer service representatives. After spending considerable time on the phone explaining the issue, I was informed that resolving this problem could take anywhere between XXXX to XXXX weeks. Such a delay is not only unreasonable but also places an undue burden on me as a customer. The inability to transfer my points in a timely manner significantly hampers my ability to utilize the benefits of my XXXX XXXX effectively. 

I am deeply disappointed by the lack of urgency and responsiveness from American Express in handling this matter. As a loyal customer who has diligently adhered to the terms of the XXXX XXXX, I believe I am entitled to a seamless experience and timely solutions when facing technical issues of this nature. 

I kindly request the Consumer Financial Protection Bureau to intervene and assist in expediting the resolution of this issue. It is my hope that your involvement will prompt American Express to prioritize the matter and provide a satisfactory resolution within a much shorter timeframe. 

I genuinely appreciate your attention to this matter and your commitment to ensuring fair and equitable treatment of consumers. I believe that your intervention will not only help resolve my personal situation but also contribute to enhancing customer satisfaction and maintaining the integrity of consumer-business relationships. 

Thank you for your time and assistance. I look forward to a swift resolution to this matter. 

Sincerely
Product: Vehicle loan or lease

Two investigation fees were charged to my account on XX/XX/2018 for {$400.00} and XX/XX/2018 for {$150.00} because they said they could not locate the car. The car is driven by my son who resides in XXXX and I reside in XXXX. I was never told that these fees would be charged in any of my correspondence with Honda Finance representatives and they will not take these fees off my account.
Product: Money transfer, virtual currency, or money service

I received a email from Paypal concerning there was a XXXX purchase in my name with invoice and Paypal logo saying I was going to be charged XXXX $ and I sent the payment there was a help line number XXXX so I called and women pick up saying yes im going to be charged but they and there hacker 's that have access to my account and they can stop the payment and the hacker 's then she said download a app called XXXX and she ask for codes to send her and then she walk me three some steps threw the app then she asked if I have a online checking account to make sure it's secured I said so I went on it to check it then she said do you have XXXX XXXX  I said yes then she ask to check that I did then she sent me a text with a bunch of numbers she ask me copy paste that then on my XXXX XXXX  she said go to XXXX and put XXXX amount in to see if the hacker 's are there to its a reaction play to see if the hacker 's are going to take the amount I adding I said again are sure this isn't coming from me as cash she said then she kept saying no it not coming from you kept pushing saying there going to take my money I need to fo this pushing me and threatening my checking accounts my money going to be gone because of the hackers so I send it then she ask too go to from and to paste the text messages she ask she sent then I went on online account while she was on the phone I seen there was XXXX $ dollars pending I was angry I went back and forth about I just want my money why did lie and do this to me please give me back my money over and over she said ok calm down its not going go threw its just a set up to see if the hackers are going to try to take the fake pending money threw XXXX then I said I don't want to do this I don't need your help please stop the pending of my money she ok she can stop it and and ask me if I still have the app anydesk open I said no why she said download it again so she can get me my money back I said no please I just want my money back she ok and started threatening me my going to be gone if I don't stop yelling and she hung up I called back talked to different people they said it's going to return back in checking account in 30 minutes then I called back so once else said 24 hours I was very angry then went to my bank to explain the issue
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made my payment on time, and the late payment reporting is incorrect. I have attached my bank statements and payment confirmation showing the payment was processed well before the due date. 
Clerical Error : There seems to be a data entry error. The amount listed does not match my payment history. The payment was processed but erroneously marked as late. This needs to be corrected. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The interest rate is RIDICULOUS Ive never gotten explained this interest rate and i dont recall agreeing to these terms. The sales man was very misleading. Ive tried to get this explained to me or at least get the original contract where Ive signed for this and it has yet to returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been well over 90 days and neither of these agencies have responded to my disputes. I am under severe distress. I am a victim of unfair, unlawful, and inaccurate credit reporting. These companies have violated FCRA 15 U.S. Code 1681b and 1681i. They have been negligent in there reporting and in their investigation. My right to privacy has been breached repeatedly and I have yet to receive any corrective action from them. I even contacted the courts to see if they gave them verification of any accounts or bankruptcies and they provided me in writing that they have never nor will they ever verify this information with credit reporting agencies therefore it is invalid and inaccurate.
Product: Debt collection

XXXX left my newborn baby, my wife, and myself without electricity for over two weeks while just giving us the runaround. Every day they said they would send someone to fix the electricity until they just stopped answering our phone calls. I finally had an electrician come out and change the main fuse of the house because I work from home, we have a newborn and the house runs completely on electricity, so we were even without hot water. I sent the bill to XXXX and they refused to pay it. I took it out of the rent and they continued to give me late fees. After covid hit, they tried to have me illegally evicted even though I had submitted the covid-19 memorandum. I was already leaving on the move-out date in the contract because they refused to renew my lease ( which is illegal under the covid-19 memorandum ). The day before the move-out day they said I could renew my lease, I said I only need two more weeks and they said that is fine but I needed to sign the contract or they wouldn't let me on to the gated community. On the last day of the two weeks, they came and served me with eviction papers, which I responded to and received a court date. Two days before the court day, XXXX dropped the case ( case number : XXXX ). Then I received a debt collection for {$15000.00} and when submitted the request for verification to Transworld Systems, they only sent me a photocopy of the two-week lease, which I was forced to sign or I would not be able to leave the property and if I did, I wouldn't be able to get back onto it. They are pulling {$15000.00} out of thin air. XXXX is actually fighting a class action lawsuit for forcing tenants to pay out of pocket for repairs on their dilapidated houses.
Product: Credit card or prepaid card

PLEASE MAKE THIS INFORMATION PUBLIC. 

Attach is the screenshot showing illegal double charges by AppleCard. 

Several unsuccessful attempts have been made to solve this illegal charge. 

Complains were file with the CFPB. AppleCard started to act after several complaints were filed with the CFPB. 

It appears Apple Card is in the habit of illegally overcharging the customer