23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I moved into XXXX XXXX XXXX  XXXX, owned, and operated by XXXX XXXX on XX/XX/XXXX. Each month we are sent e-mail solicitations encouraging us to pay online. XXXX XXXX does not accept debit cards, or cash at its office, only checks. We are billed back electronically via e-mail for water, sewer and garbage by its service bureau XXXX Entrata Inc. Entrata operates the resident payment portal, which is advertised as an apartment feature and charges a convenience fee to provide locations where you can pay your rent via cash and charges a range of convenience fees for paying rent via debit, or credit card according to the type of card and the product type ( consumer, or corporate or prepaid ). I was charged a {$42.00} convenience fee instead of {$6.00} for paying my rent with my small business XXXX debit card. Both convenience fees are prohibited by US merchants under XXXX rule XXXX and XXXX Rule XXXX. On XX/XX/XXXX, I received a notice from Entrata Insurance Agency LLC that my renter 's insurance policy was not valid using the name residentinsure. I have no dealings with such entity as my policy is with another carrier. I raised my concern about the Financial Institution Privacy issues ( an insurance agency and a bank Merchant Service Provider are covered entities subject to the GLB Financial Privacy Act and were required to disclose they had my information with a notice of privacy practices. I receved a letter dated XX/XX/XXXX from their general counsel stating they were a software company and not subject to such requirements and properly registered. Entrata Inc. is not registered to do business in the state of Oregon and is not licensed a money transmitter, and does not disclose the name of the bank for which it is engaging in XXXX activities as requried by the card associations. I ordered a copy of the merchant record for the transaction and my bank confirmed that the merchant account is held in the name of Entrata Inc. Entrata Insurance Agency LLC is not licensed a full service producer/consultant in the state of Oregon but reciprocal with the state of Utah as a license manager. It has no authority to review the insurance policies of a person wh tates so in the privacy policy dated XXXX on its website.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Consumer Loan

I get calls every day from Midland collections. Today XX/XX/XXXX they called me XXXX times. I asked them to stop. I told them I do not owe them or any other collections or credit card money. I work split shifts and am on call from my job and have been awakened all day today. Please get them to stop calling me.
Product: Mortgage

We currently have PMI ( private mortgage insurance ) on our current mortgage. We went through our mortgage provider ( Newrez ) to apply for PMI to be dropped in XXXX of XXXX. Newrez sent out an appraiser to asses our property on XX/XX/XXXX and they appraised our property at the same price that we purchased the house for in XXXX. Because this, they denied us of being able to remove our PMI payment. After many renovations done to the house over the course of 2 years, we find it hard to believe that our house appraised for the same value that we bought for given the state of the real-estate economy.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. CAN THEY PLEASE BE REMOVED FROM MY CREDIT REPORT!
Product: Credit card or prepaid card

I applied for the Bank of America Cash Rewards Card. Incentives are {$25.00} per quarter, if eligible. But I missed the last quarter rewards. I called BOA customer service on XX/XX/2023 and after reviewing my account, the staff XXXX said I am eligible for the reward but should wait until XX/XX/2023. He said the rewards would be arrived within 30 days. If there is no award, I can call back after XX/XX/2023. Because I dont see the rewards, I called customer service again on XX/XX/2023 XXXXXXXX XXXX. XXXX review my account and she said she can write a notice on my account and let me wait 2-3 days for the rewards in. XX/XX/2023 XXXX PM, I called the third time. XXXX said she can let them to put the rewards quickly after reviewing my account. Also, she gave me a suggestion not to pay full amount at due day ( XXXX XXXX ) and wait the rewards in. She said she would write a notice let me qualify for next quart. ( Dont pay the full amount is not qualify for the next quarter ). I have no idea and pay the full amount and I called the customer service the fourth time on XX/XX/2023. Also, I leave a message on XXXX BOA XXXX XXXX. They called me back and said you are noy qualify so you cant get the rewards. And She told me already mail me the letter on XXXX to let me know I am not qualifying but I never received and no find on my Mobile App ( All the letter can get on my Mobile App ). I dont know why she said I am not qualifying, and another three staffs work for BOA all said I am qualified to get the rewards after they review. If I am not qualifying why the three staffs all let me wait the rewards in? The fourth guy said that is the old program so the staff does not know. Also, I dont know why the staffs work at customer service wouldnt get the training from their company? The bank never let me know which is the qualify for cash rewards. 
I attached the quarter of the bill and I paid every Months. 
I want to get my rewards.
Product: Consumer Loan

I had a loan with Comenty Bank XXXX. I was referred to them through XXXX. XXXX over billed me and was supposed to make the necessary correction. I was paying the bill every month on time for an original loan of XXXX at XXXX per month. After two year of consecutive payments they added an addition XXXX on my account. I disputed the amount and I was sent a letter by Comenty to settle the bill for XXXX which was paid within the 30 days required for the agreement. I just received a XXXX which is making me file the difference on my taxes. This is not part of the contract I agreed to. According to the parol evidence rule of law ... you can not re-negotiate a contract that is in writing unless it is in writing and both parties agree to the new provisions of the contract ... Well I did not. I was never told about this and as far as I 'm concerned the bill is paid and it has been adjusted on my credit report.
Product: Credit card

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX To Whom It May Concern, I am writing to follow up on a report I made around XX/XX/XXXX regarding identity theft involving the following account : Account Name : THE XXXX XXXX XXXX/MILSTNE  Account Number : XXXX Balance : {$2100.00} Date Opened : XX/XX/year> An account was fraudulently opened in my name, and I called to dispute this account, stating that I did not open it. 
During my call, I provided my correct information, and the representative confirmed that the information on the fraudulent account did not match mine. Before ending the call, I was informed that the account would be closed and investigated as a case of identity theft. However, I was not provided with a reference number or an account number for follow-up purposes. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting that this fraudulent account be removed from all of the credit bureaus immediately. Additionally, under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, I am entitled to protection against the fraudulent use of my personal information.

Enclosed is a copy of the police report filed regarding this incident. Please confirm receipt of this letter and the steps you will take to ensure this matter is resolved promptly. Additionally, please provide me with a reference number for this case so I can track its progress. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX Virginia XXXX, # XXXX XXXX XXXX, CA XXXX XXXX Enclosure : Police Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity Bank has not reported my account to the credit bureaus for 3 months. I am told it is reported every 30 days but it clearly is not. 

Twice, I sent an online message to Commenity asking why they have not reported my account standing to the credit bureaus. The first time they told me they report every 30 days, even though I said they havent reported for 3 months. The 2nd time, I was told that their systems are down and I need to wait 45 days. I have already waited 3 months. Now I have to wait 4.5 months. 

I am trying to obtain credit and this account if affecting my credit score. Today, a supervisor hung up on me when I asked to speak to someone above her. These people are disgusting and rude. 

I need my credit report updated ASAP and z Commenity is making it impossible for me. They are not following through on their responsibilities. They are treating me like I have no rights in this matter and they are telling lies about reporting it to the credit bureaus. I have filed a dispute with all 3 credit bureaus and they are clearly not getting answers from Commenity either. 

I also want an apology from the company because the supposed Supervisor hung up on me. I am sure they can find out who it is.
Product: Debt collection

I spoke with a representative in regards to my recent payment. In which, I told him I could make payments this month. However, When I explained to him we would need to further discuss issues arising of me making future payments. Due to me going on maternity leave and I wouldnt have any money coming in. He got quiet and stated there wasnt anything he could do to assist me with that. I asked to speak with a supervisor or a higher superior to discuss this matter. He then placed me on hold without telling me to hold on! I stayed on hold for five minutes listening to company music and never heard back from the representative its like he left me on hold hoping I would hang up. He was rude and got disgruntled when I asked about any programs to assist me while I will be out of work. I dont know how a company can not understand you will not be receiving incoming money like usual. This is not the emotional stress a person need during this time.
Product: Credit card

After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days. 


These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Money transfer, virtual currency, or money service

I lived and worked in XXXX for XXXX years ( XXXX to XXXX ) and had an XXXX retirement account with XXXX. 

XX/XX/XXXX - I closed my RRSP account at XXXX in XXXX and had them mail me a check for {$130000.00} ( XXXX ) - the full amount in the account. The check was actually from XXXX Bank XXXX XXXX XXXX XXXX ) which is the bank used by XXXX. 

XX/XX/XXXX - I deposited the check into my Bank of America checking account. After the conversion to USD the value was {$92000.00} XX/XX/XXXX - This exact amount was reversed from my acct by Bank of America account. No communication was provided by Bank of America. I only found out about it when my debit card was rejected at a retail store. 

After multiple phone calls to all three financial institutions and unlimited frustration, this is what I know- Bank of America ( after many phone calls and emails ) provided the attached letter stating what they did and what they know. 

XXXX XXXX  XXXX XXXX ( XXXX ) stated they can not give me any information since I don't and never did have an account with them and that I need to have XXXX request to XXXX to track the check. 

XXXX ( after many phone calls and emails ) states their records simply show the money was withdrawn on XX/XX/XXXX and there is no issue. See attached document that shows their email response. When I later received the Bank of America letter, I forwarded it to XXXX and asked them to relook at this issue. They said they would and that they would " elevate it internally ''. Despite more calls to them, they have not provided any feedback. Aside - once I withdrew my money in the RRSP account I no longer have any money at that bank or any remaining investments in XXXX at all.
Product: Checking or savings account

I noticed 3 unauthorized ATM withdrawals on my debit card adding up to over {$800.00}. I disputed the charges to the company, stating that I noticed my card was missing. The company refused to refund the charges because a card was present for the transactions, even though the card was no longer in my possession. I requested the bank get my the information of what exact store code the card was used at so I could contact the specific store to get video footage, they also declined. They refused to work with me further on the matter.
Product: Mortgage

I have a loan with Bayview XXXX. By their numbers ( which are incorrect ) I owe about {$13000.00} in real estate taxes and {$2000.00} for insurance ( annually ). This is roughly {$16000.00} per year. 

They have been deducting {$1700.00} monthly for escrow which totals about {$21000.00} annually. After paying all taxes and insurance this year there was a remaining {$2000.00} ( roughly ) in my account. This actually means there will be {$23000.00} ( roughly ) in the account to pay {$16000.00} in taxes and insurance next year. This is an overage of roughly {$7200.00}. 

Since XX/XX/2019 I have been requesting a total escrow report. As of date, I have not received one. Further, since this date, I have requested the escrow be reduced given they are rolling over thousands of dollars. I was notified today that they will reduce payment rough {$200.00} per month or {$2400.00} annually. This reduction falls about {$5000.00} short of what is actually needed. I have been with Bayview XXXX for 2-years and escrow payments have gone up about {$800.00} per month since they took over the loan. 

My complaint is Bayview XXXX has negated payment reduction for 6 months ( since they want to put reductions in for XX/XX/XXXX payment ) and are charging exorbitant unwarranted escrow fees. Also noted is there has been a tax reduction on this property, not a real estate tax increase. Further, I am XXXX this year and real estate taxes are frozen in XXXX County for seniors. There is no justifiable reason for these fees given there are no increases anticipated.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX BALANCED {$440.00} XXXX XXXX BALANCED {$710.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$710.00} XXXX XXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains many errors. 
I request your investigation of the following " personal information ''. 
Please see the attached photo copy of my drivers license for your reference. 
For the record : XXXX. My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY as they are not accurate! 
XXXX. My current address is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX Please remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( 10 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$790.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXXBalance : {$2100.00} XXXX XXXXBalance : {$2600.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00}
Product: Money transfer, virtual currency, or money service

ON XX/XX/2021 I received two emails from from Remitly stating my request to increase transfer amount had not been approved. I attempted to sign on to my account account through the Remitly App and received a pop up message that I need to contact customer service. I attempted to call on XX/XX/2021 but no representative picked up call. Later on the same day. XX/XX/2021 I logged on to Remitly website and used the chat function. The representative told me my account had been terminated but offered no explanation as to why and refused to do so. 

I had only made three transfers. Two from an account in the United States held by my spouse and me to an account held by my spouse. The other from the same account to the landlord of a family member. 

I need an explanation as to what led to the termination of my ability to send transfers so and explanation can be offered. 

Second I need the ability to get into my account so I have access to the receipts from transfers I have completed.
Product: Debt collection

Summary of complaint submitted : XXXX I have received a response back from cfpb in the mail. In the mailed package it included information from the company that responded. In their letter they have acknowledge the harassment which is a ( Violation ) after I asked them to take me off their call list as well as cease and desist all actions. They forgot to add, or more like omit that I have told them verbally and in writing that this isn't my account nor debt. 
In there drawn out letter that basically states to my understanding that they refuse to remove fraudulent reporting that they illegally placed on my personal credit until they get a police report. Another inconvenience to the consumer that's a victim to their fraudulent practices and identity theft. To add insult to injury : The company gave cfpb a copy if a Lease Purchase Agreement with a ( fraudulent/ signature forgery ) forged signature with my name on it. This alone is a huge red flag. I'm sorry to State the obvious that I actually sign all documents in cursive writing, ( * My generation was taught cursive writing signing and writing * ) I never use a print like signature especially not as perfect as whoever forged my name. That's crazy to see my name forged ( wow ). On top of that : the agreement was dated XX/XX/XXXX which I was in XXXX XXXX, Texas on XX/XX/XXXX. According to this fraudulent agreement dated and in the company 's response letter on XX/XX/XXXX I seen a retailer in XXXX, Georgia. Interesting to know I was in 2 places that actually is approximately 15 hours away from each other and 3 states apart.

Clearly I have enough evidence from the company 's fraudulent agreement with a forged signature, and date. Plus a direct letter stating the company continued harrassment : according to the response letter the company noted twice documented harassment calls. I directly claim several incidents. Apparently the law is the law and two is sufficient enough. Also, acknowledging that this isn't my account. 
I have reported the fraudulent activities to the : FTC ( Report # XXXX ), FTC holds sufficient weight as a government agency. 
CFPB XXXX  And to the company I have verbally asked the company to cease and desist, and in writing. 

*I 'm attaching a few documents with my hand writing and signature for cfpb to see the company 's fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachments. On XX/XX/2019, I sent certified letters to the credit bureaus to update my personal information. This is the month of XX/XX/2019 and they have been reporting inaccurate information on my credit profile, such as my name, dob, address, and employment. 

On XX/XX/2019, I sent the three credit bureaus certified dispute letters regarding unauthorized credit inquiries and requested a complete and accurate verification of the unauthorized inquiries.
Product: Credit card or prepaid card

For several years my Citi Best Buy XXXX card has failed to list the exact minimum amount due. The amount listed always includes the amount the card is over its limit ( which Citi allowed to happen ). I generally have to guess what my minimum payment is, as I can not afford to make a payment of {$2000.00} plus. Their website and XXXX number also do not provide the true minimum payment. I have complained to the company about this approximately XXXX years ago and for a few months, the billing statement reflected the true minimum payment. In the last year I have made payments in amounts ranging from {$350.00} to {$500.00}, when my budget allows. I have not made any new charges to the account in at least XXXX years. For the month of XXXX, I made a payment of {$400.00}. I had been struggling but had been making payments of {$500.00} for the last few months. I have received harassing phone calls and emails stating that my payment was {$67.00} short. I explained to the caller that based on my statement, there is no way for me to know what the correct minimum payment is. The caller did not act like she understood what I was talking about. 

In addition, if Citi was accepting payments as low as {$350.00} without calling or sending emails, then they must have raised my interest rate. Generally, if the consumer isn't making new purchases or charges, doesn't this mean the consumer did not consent to the interest rate increase?