23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

hello, My name is XXXX XXXX. my wife and I have a mortgage with Caliber homes inc. back in XXXX under there advise started a modification with there company and since the our back payment of XXXX has turned into XXXX. partly because they took forever to yield any results. when we started this process it was to see if we could put what we owe to the back end of the loan and start fresh. My wife has a XXXX and because i used up all paid sick days to take care of her and our XXXX children. my Job was understanding about my situation i didnt lose my job but days with paid were only so many days and we went over the amount. there are few months were we were short in the paycheck. so in XXXX we tried to make good her medication was under control and she was back on track which means i was back on track but that was not concerned them since XX/XX/XXXX all we did was increase the bill to the point where its out of control and now we are in forclosure with no sale date. if feel lied to and i was mislead. i want action
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018I disputed an inaccurate account with EXPERIAN. In XX/XX/2018EXPERIAN responded back saying the account was verified. The account showing inaccurate information is XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX I received a copy of a statement from XXXX XXXX XXXX on the Account ending in # XXXX and # XXXX and both statements are showing an address not associated with XXXX XXXX XXXX. I have enclosed the copies of both statements on the account showing the address not associated with XXXX XXXX XXXX  the address showing on the original creditor statement is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. I XXXX XXXX   address is XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX. Please remove this inaccurate account or i will file a suit. All credit bureaus are supposed to report 100 % accurate information. All credit bureaus are supposed to conduct a reasonable investigation. This is not a reasonable investigation as for your company would have caught that the address on the account ending with XXXX   and XXXX  is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I received a copy of the statement from the creditor and the address is listed with an unknown address, please remove these account from my credit file. I have enclosed copies of the statement from the original creditor thats reporting on my credit report.
Product: Credit reporting

In 2009 we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.In XXXX we completed a chapter XXXX bankruptcy for credit card debt, we kept both our home and vehicles. We are still living in our home and are still paying for it, we also have since paid off the vehicle and still own that and hold the title for it. However on our credit report it is showing that we lost these things in bankruptcy. We are applying for a loan modification due to the fact that my wife recently lost her job and are unable to move ahead because of this.
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX an unauthorized purchase of {$940.00} was charged to my XXXX acct. I immediately opened a fraud claim for this purchase in XXXX and XXXX did nothing to investigate for 4mo. After repeated demands on my part they denied claim and stated I needed to fill out an Identity theft affidavit and submit to them in XXXX of XXXX, which I did and still nothing has been done since then to rectify this claim. Since then they have disrupted my entire financial existence by reporting inaccurate late claims to Experian causing my score to drop over XXXX. despite the fact they have NOT completed my fraud claim. I have disputed with Experian and XXXX  to no Avail and NEVER missed a payment relating to my personal acct that I WAS responsible for with XXXX. I have since then found that my daughter was responsible for the charge and both her and I have provided this info to XXXX, still no changes have been made to my acct to reflect I did not authorize this charge. Legal letters from Attorney has also been submitted to XXXX and Experian on my behalf by certified mail, Which they received on XXXX and XXXX. 
I do not understand how a company can get away with such things without basis, and have processes they do NOT follow. I recently lost my XXXX XXXX in XXXX and have had XXXX harassing me ( despite I should NOT be receiving demands during open dispute claim ) during a time I am barely holding on mentally. I am trying to refinance my home but this credit reporting is hindering from doing so because of my credit score. I am pleading with your company to help to resolve. I have exhausted all known measures to me!
Product: Checking or savings account

On XX/XX/2018, I visited a Citibank branch in XXXX to avail a new checking account offer, that entailed Citibank crediting 30,000 XXXX XXXX AAdvantage  miles to new customers. I hadn't been able to sign up online as I am a Non-Resident Alien owing to being an international student, but I was eligible for the promotion, and had to visit a branch. 

Citibank did not give me 30,000 XXXX XXXX miles, stating that I had not provided any data regarding why I'm present in the US, although I'm a XXXX XXXX. But this was despite the fact that I had submitted a copy of my passport & XXXX student visa issued by the United States of America, which also states the name of my university. Even after mailing those items ( including a local address proof & XXXX and its addendum ) via USPS, I still received a canned response. So, I resent copies of my passport, visa, local address proof again along with XXXX ( and its addendum ) & an enrollment verification letter from the university registrar, but I haven't received the promised 30,000 XXXX XXXX miles yet. 

Its back-office employees don't seem to carefully look at the data, and this situation has been causing me a lot of inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX  on 2 different occasions about why I didnt receive my dispute results, in the time permitted by law. And was told they were going to send them out in 7 business days. I filed with them on XX/XX/XXXX and here we are XX/XX/XXXX and still no dispute or negative incorrect items removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with your bureau 's handling of the inaccurately reported late payments on my credit file. Despite the multiple dispute letters I have sent, your team has consistently verified these erroneous accounts, causing ongoing harm to my credit report. It is utterly unacceptable that, after my repeated communications, your bureau has failed to rectify these inaccuracies. The verification process you claim to have undertaken is evidently flawed, as the information reported does not reflect the true state of my accounts. This raises serious questions about the integrity and reliability of your verification procedures. 
I have personally contacted the banks involved via phone calls, and they have acknowledged the errors in their reporting. The banks have agreed to update the status of my accounts to accurately reflect that they were never late. Yet, despite this confirmation, your bureau continues to perpetuate these inaccuracies on my credit report. 
I demand an immediate and thorough re-investigation into these accounts. The current state of my credit report is causing undue harm to my financial standing, and it is imperative that these inaccuracies be corrected without further delay. I expect you to cease reporting these false late payments and to update my credit file accordingly. Furthermore, I require a detailed explanation of the verification process your bureau undertook that led to the continued reporting of these inaccurate late payments. Transparency in this matter is crucial, and I expect a prompt and comprehensive response. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I notified L.L. Bean of a fraudulent charge made on my account on XX/XX/year> in the amount of {$52.00} from XXXX XXXX. I was told I would be issued a new L.L. Bean credit card and my fraudulent claim would be investigated. On XX/XX/XXXX, I received an email from L.L. Bean that my new credit card had been shipped.

During the subsequent months, I received calls from representatives from L.L. Bean inquiring about my past-due account. Each time I explained that this amount resulted from a fraudulent charge on my account. I was assured that the matter would be taken care of. 

I received a letter dated XX/XX/year> from XXXX XXXX where they explained that they were a debt collector trying to collect a debt they claimed I owed Citibank. N.A. L.L. Bean has a credit card with Citibank , N.A . I responded to this letter explaining that I did not pay the charge because it was fraudulent ; I did not purchase any services from XXXX XXXX. In response to my letter, I received another correspondence from XXXX XXXX offering me a settlement amount of {$150.00}. They did not even address the charge as being fraudulent, to begin with.
Product: Debt collection

Ive been receiving different Collections notices Attached to XXXX XXXX XXXX XXXX  from Different collection Agencies that represents this company.. Neither Collection agency has Verified that I owed the Debt. The first collection reached out was Dynamic recovery solutions who Never answered my Complaint with the CFPB regarding this matter and now XXXX XXXX XXXX XXXX has sent this Fraudulent debt to ATG Credit , LLC I guess when they had no luck with XXXX XXXX XXXX. Ive sent Validation letters and police reports on this account and XXXX XXXX XXXX keeps circulating the fraudulent debt around with knowledge its Fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint to delete the fraudulent account in my file that are reporting on Equifax Credit Bureau. I am a victim of identity theft and did not make the charge or the account. I ask that the account be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged account below showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/2013 Balance {$0.00}
Product: Mortgage

My mrtge principal balance was scheduled to reach 80 % of original value of the property onXX/XX/XXXX. On XX/XX/XXXX, I submitted a written request to have the PMI removed and received an email receipt confirmation. Appr a week later ( message left and I called back ) Roundpoint informed me that an appraisal was required and it would be {$750.00}. I told them that was a ridiculous fee, appraisals in our area range from $ XXXX- {$500.00}. I'd already researched the range. The lady informed me that she would submit a request to review the amount of the appraisal, someone would call me back. A few days later, I received another message ), I called back and was told that it was still being reviewed. Another week passed and I received a call from an appraiser who said that he was notified by my mortgage company that a request was submitted for him to perform the appraisal. When I asked what the fee was, since I hadn't heard back from the mortgage company, he said that he didn't know, that it was just assigned to him. I told him not to come until I had contacted the mortgage company again. For a third time, I contacted Roundpoint, I was told that the cost wouldn't change. I requested a supervisor contact, my PMI is {$54.00} a month, mortgage is scheduled to hit 78 % original loan value on XX/XX/XXXXand automatically terminate. Paying the PMI until then would only be {$760.00} ( {$700.00} deducting theXX/XX/XXXX payment that would be charged due to timing ). It would make no sense to pay {$750.00}. I was told that someone would call me back and was also told that the 78 % date for auto termination is not accurate, that it doesn't automatically terminate. I didn't receive a call, instead I received a letter datedXX/XX/XXXXthat they denied my request because they didn't receive an appraisal. I believe that Roundpoint set the cost of the appraisal themselves at a higher than market value to continue to get the insurance amount that they had planned on at origination.
Product: Credit card or prepaid card

I DON'T HAVE ANY REPOSSESSION ON MY REPORT AND I ALWAYS PAYING THE ACCOUNT.
Product: Checking or savings account

On the XXXX of XXXX I deposited a school refund check for {$9000.00} and received {$200.00} immediately with the rest expected on the XXXX. I was told that my date had been pushed back to the XXXX due to possible fraud or unpaid check from XXXX XXXX University- XXXX XXXX XXXX . When I reached out today regarding why my account is still on hold, they stated I was on a 3-5 day hold due to my account being in review and and the possible fraud or unpaid check. This is rendering my unable to pay rent, pay my car, insurance, cell phone, or any bill as Im ex military and was depending on this check.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I received your response Last XX/XX/XXXX that you declined to block the information I have provided. I sent a complaint on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA, 605B ( 15 U.S.C. 1681c-2 ) TransUnion is required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX. I am including it again. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance {$9100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

This is absolutely frustrating and stressing me out, there are errors on my credit report that is unfairly affecting my score. How can I achieve the American dream when I am living a nightmare? This is insanely distressing.
Product: Debt collection

I XXXX XXXX previous XXXX XXXX XXXX XXXX am requesting for Portfolio Recovery to provide me the copy of our signed agreement by mail indicating amount owed to Portfolio Recovery.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. This is your final warning. Please remove the following items listed on my fraud report & listed below. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

It starts 2020. They taking payment someone account. Also my account. When. Other people find and called me. To stop payment. So I call then. Please refund ther money to ther account and put balance on my account. They put balance on my account. But never returned money to other accounts. Like alo most XXXX. It capital one criedt card.
Product: Checking or savings account

I own a joint savings account with my teenage sister with the intended reason of giving the funds to her once she went to college. However, we relocated from California to  XXXX, in which, to our dismay, we discovered there are no Citibanks. Since moving, I have tried contacting Citibank multiple times in order to have my account closed and the funds sent to my new address. Because there are no Citibanks in California, I have had to do all of this via mail, based on the information I have obtained from them over the phone. 
This issue with Citibank has been ocurring since approximately XX/XX/2019. We had not used the account for some time, therefore, the first step they had me do was reactivate the account, which I did. After that, I followed up with them and the account had in fact been reactivated. Then, they had me send a letter to Citibank in order to close my account, which I did. I was sent a letter back saying they required of me the account number, which I did not have on hand. However, based on my phone call prior to send that original letter, the employee over the phone told me it would suffice if I sent them the social security numbers of the owners of the account, which I did. I was perplexed when I received the letter from Citibank stating that they could not close the account. 
I called Citibank again, this time the first employee told me I had to have the letter notarized, something they had not told me before. I was so profoundly upset, I then asked to speak to the supervisor, who then told me that this information was not true and I did not need to ahve the letter notarized. Luckily, during this time period I was able to locate a statement I had amongst my papers. I was so grateful at this moment. I went ahead and wrote another letter including the account number, and also had the letter notarized. I received another letter saying that the account had been closed! I never did receive a check. It is important to note that I did have my address changed with them as well, so I was expecting to receive a check in the mail. To this day, I have not received the {$490.00}. It may not seem like much, but they are funds we have worked for to put aside for my XXXX-year-old sister and I expect them to be returned to us, as it is our money. I have made phone calls and sent letters but I have not been helped as expected. The information I have received has been inconsistent, making me provide personal information only to not have been my request resolved. I understand that my information needs to be verified, which I have done. I ask that you please help us with this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any account which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The account that you must remove is listed below : XXXX XXXX {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX and Experian REFUSE to remove an account that was as a result of the XXXX breach, while XXXX removed the fraudulent account, despite me having a police report and complaints filed with the FTC and FBI. 
2 ) Experian has my account listed with past due amounts, delinquencies, accounts not paid on time. I have 100 % EXCELLENT PAYMENT HISTORY. 
3 ) all three reporting agencies have credit inquiries on my report that were NOT authorized! REMOVE THEM NOW
Product: Checking or savings account

XXXX XXXX Money was deposited and hold on funds and when payment or debit card was used my account was charged an overdraft fee. Account was closed because of overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 & XX/XX/2020 I wrote to you requesting an investigation into items that I are Inacurate and erroneous.To date, I have not received a reply from you or any acknowledgment that an investigation has begun. I feel like I am being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days, should be reason enough for these items to be deleted from my credit report. It has been well over 45 days so they should be deleted promptly. My information has been impacted by the equifax data breach and may have fell into the wrong hands. 
I demand the accounts be deleted immediately or I will file for litigation due to the stress you have caused me.