23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I, have a XXXX credit line with Citi-Bank, secured against our home that we took 10 years ago. 
As part of the government loan modification program, we applied to the bank, three different times, to help us to modify our loan, so as that our " under-water '' home payments get reduced, stretched or otherwise modified so as to help us to pay them - going forward. 
The Bank took between XXXX months each time, switching us in between a dozen persons, duplicating their questions, repeating time and again - same information, while waiting weeks in between each time. 
THeir handling was such, where each stage did the same again and when they finally were done - they submitted it to their underwriting section, which redid same again. 
In fact - where their left hand did n't know what their right hand was doing. SInce Citibank is known to be a large powerful and well served bank - the only conclusion is that they tried to delay and push the applicant - until they gave up. 
Well, we did n't give up and after persevering their attrition war on us - they denied us, using very vague, limited information, language. 
Each time I called and communicated, I was refused any further information. 
I insisted that they are operating under government programs and as such, I am entitled for their written breakdown of the reason for their denial - but they refused to cooperate. 
SInce all of this took time - i was forced to start the process again and again - thus it taking two years and more - without any positive outlook. 
Now, that my wife is not going to work next year, they refuse to work out our numbers under such - until it happens, even though she was terminated, so that we 'll have to start it all over again - taking another XXXX months and again - yielding no better results. 
This is not right and we want to ask the CFPB to interfere and ensure that the bank does ALL that it is supposed to do. Thank you XXXX and XXXX XXXX XXXX XXXX account XXXX
Product: Checking or savings account

I responded to a Citibank email offer to open a savings account on XX/XX/2019. In exchange for opening the account and completing two activities, I would receive XXXX XXXX XXXX XXXX miles. When attempting to respond to the offer using the online link, it was discovered that they had '' technical difficulties '' and the link was not working. I emailed their technical department, and the link was shortly thereafter working again and I clicked through and opened my savings account and completed the required activities in the days immediately following opening the savings account. Shortly thereafter, on XX/XX/2019, another offer for opening a checking account, arrived in my inbox that offered XXXX miles if I opened a Citi checking account and completed required activities. I noticed in the fine print that I was able to take advantage of both offers, so I duly opened the account and completed the required activities within two weeks of opening the account. After waiting for several months, and my promised points were not forthcoming, I contacted Citi by phone to find out why I havent received the points for the offers. The agent, XXXX, a customer service supervisor, " opened a case ''. Shortly thereafter, I receive a letter from Citi confirming that I, indeed, had qualified for the checking offer but they needed a certain tax form in order to complete the point award. I sent, by certified mail, all the documents required, as well as supporting documents, to both the Citi Customer Service office in XXXX XXXX, TX and their technology support office in XXXX XXXX, SD. When i had heard nothing back from them, again, I called Citi customer service for an update. They indicated that they had no idea where my form was, even though I had proof of delivery. Eventually, after 3 more calls and  talking to three additional CS supervisors, XXXX, XXXX and XXXX, I was finally able to confirm that the document was found. In a subsequent call to " XXXX '' I was informed that my tax document was " certified '' (? ) and that they were forwarding the complaint for final processing. Today, XX/XX/2019. I called Citi customer service, again, for an update, and was told by XXXX, another customer service supervisor, that no one, despite speaking to SIX customer service supervisors, had sent the file over for processing. As of today, 4-5 months later, my points have still not been awarded, as promised, despite my following ALL directions, many at my additional expense and following all instructions and requirements. I, therefore, have on other option than to surmise that Citi is attempting to avoid meeting its advertised obligation. I am seeking the award of XXXX AA points for meeting the requirements for opening the savings account and the award of {$30000.00} AA points for meeting the requirements for opening the checking account. In addition, I would expect Citi to provide a goodwill gesture of their choice, as a recognition of the extreme difficulty, poor communication and many hours of personal work I had to complete to hold them accountable for meeting their obligation.
Product: Debt collection

Diverified Adjustment Services was sent written corespondence via certified mail of a dispute of alleged debt. Diversified responded to the request for verification with computer generated falsified documents that contained fake signatures and typed signatures that were created by the debt buyer. ( see Exhibits ) I have requested verification as per FDCPA and Diverified has refusedto do so.This is a direct violation of FDCPA, which requires verification in the parameters requested by consumer.
Product: Credit reporting or other personal consumer reports

I was stunned to find inaccurate accounts on my credit report this afternoon and am completely at a loss as to why theyre there. I review my credit report regularly, and today, out of nowhere, discrepancies appeared. I even refreshed my browser, hoping it was a temporary glitch, but the accounts remained. Because of this situation, Im requesting that my submitted documents be reviewed carefully so I can have peace of mind moving forward.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX  Address : XXXX XXXX XXXX XXXX OR XXXX Account number : XXXX NAME : XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Debt collection

This company midland funding have reported a collection charge to my credit report and i have never gotten any letter or any attend to collect this debt, i tried multiple time to contact them to resolve the issue and find out where this debt came from but it seem like they have no idea neither or have any information they can provide me, i gave them my cell number my social security number to retrieve the account in question in their system but nothing come out according to them instead they tell me it maybe in a different department and they provided me with a few different phone numbers and when i call those numbers its the same no one seem to know or cant find this account, im in good faith trying to resolve this issue so it can be remove from my credit report but no one can help me im desperate to get this fixed, i even tried disputed it with XXXX  and XXXX but nothing happen please help.. 
here is the collection company information.. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Contact XXXX
Product: Payday loan, title loan, or personal loan

I got a payday loan from Cash Express in XXXX Ky and I tried to utilize a debit company to pay it off and they said no that they could not work with debit consolidation! Said took extra licensing! Which was a lie! Then they said they would hold it till my next paycheck, I on social security get paid 1 per month, and then they put it into the bank the day before,! Causing me a XXXX charge, and also sent my checking account upside down! I am still trying to dig out of it! I had to borrow my rent and my bills just to be able to pay them! Thats not right and my attorney told me that was against the law! I contacted state regulator and they said will send me complaints form but not got it yet! I only make XXXX a month! And o had to borrow just to pay my bills! They blew me off and laughed about it! This is wrong! If they do it tome, they do it to others! My friend works at another payday loan service and they are abiding by the law! They have a program if you get in trouble, you can utilize like the laws says they got to have in Ky! She say Cash Express is notes for doing that and its sgainst the law! My phone number isXXXX! Please help me!
Product: Debt collection

I never heard of XXXX XXXX until I was sent 5 letters advising me of collection for school debt last yearXX/XX/XXXX. 
Currently I have been under a XXXX XXXX plan. Recently on XX/XX/XXXX and XX/XX/XXXX my Federal Taxes and Oklahoma Taxes were taken from me and applied to a delinquent debt. The applied debt was taken by U.S. Department of Education C/O XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, Pa XXXX. Also Oklahoma State Regents for Higher Education, XXXX XXXX  XXXX, XXXX XXXX, Oklahoma XXXX. However, this Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, In XXXX and another collection agency XXXX also a third party collection agencies, never proved that I made a debt with them. I was never taken to court by either one of these two companies. XXXX XXXX XXXX never tried to contact me directly to advise they were going to take my taxes. They have never shown in writing any proof of my original copy with signature of this debt. I believe this is an unjust claim for them to take my Federal Taxes and Oklahoma State Taxes due to the nature of the claim. To resolve the problem, I would appreciate and request a full refund. I look forward to your reply and a resolution to my problem, I will wait hopefully for sometime in XX/XX/XXXX for a resolution. I received a phone call yesterday leaving a message without whom to contact and advising me they will be coming after my pay check. I need assistance as soon as possible. I sent letters also to My Consumer Protection Agency and My Attorney State General. Oklahoma tax was {$920.00} XX/XX/XXXX and last years they also took XX/XX/XXXX $ XXXX.Also included they took my Federal Tax {$2900.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently applied for VA home loan and was told that I had some collection or derogatory marks which I did not recognize. I believe these accounts were opened fraudulently without my authorization. They are reporting as XXXX XXXX XXXX, 08 XXXX XXXX, 10 XXXX, 11 XXXX, XXXX  XXXX. None of which I have ever done business with. Please help me rectify this matter and get it resolved in a timely manner.
Product: Credit reporting or other personal consumer reports

- 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 *Complaint XXXX * I am submitting this complaint to request the removal of late payments reported on my credit report for the XXXX XXXX account ( Account # : XXXX ). These late payments are inaccurate and are causing harm to my credit score.

I have previously disputed these late payments with the credit reporting agencies ( XXXX, Experian, and XXXX ) and provided documentation to support my claim. However, the late payments remain on my credit report. 

I request that the CFPB take immediate action to mandate the removal of these late payments from my credit report. I also request that the credit reporting agencies update my credit report to reflect the accurate payment history. 

*Relevant Laws : * - Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028A - Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.

- Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022
Product: Credit card

On XXXX XXXX we entered an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arena Resorts. This was a timeshare for XXXX weeks at a XXXX XXXX to be built in XX/XX/XXXX in XXXX XXXX XXXX. They gave us certificates for two weeks at any XXXX XXXX in XXXX because the completion date was not until XX/XX/XXXX. When we returned home on XX/XX/XXXX, I tried to verify the certificates and found out they were not valid. I tried to call the salesman, XXXX XXXX. He gave us his phone # XXXX, which is a nonworking number. At this time I looked on the internet and found XXXX XXXX XXXX Scam. We found may reports of other people being scammed. 
We were told the Federal Consumer Protection Agency in XXXX allows us Five days to cancel this agreement. 
I canceled the agreement with XXXX on XX/XX/XXXX. I called the Visa Credit card bank to report I would like to cancel the transaction. I was told the charge had already been reversed because they had discovered it was fraud/scam. That same day my wife went on line with the Visa account and found the charge was still showing. She called Visa and she was told we would have to file a complaint and dispute the charge with Visa, which she did at the same time. 
On XXXX XXXX we were informed by a letter from Visa that they were unable to assist us with this dispute. 
This agreement was for {$13000.00}. We are not sure if we have a legal dispute with Visa, but we have been told that we do. 
Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX credit card. They changed their bank from XXXX to XXXX. Yesterday night I requested for credit line increase and without my consent or informing me they pulled hard inquiry on my credit report. I spoke with two customer representatives yesterday night for an hour and they failed to help me with this. Today I spoke with a manager who also failed to help me with this. This is extremely unethical way of pulling hard inquiries. I do business with other credit card companies and they never pull hard inquiry when requesting credit line increase or if they need to they seek for my permission. XXXX did not take my consent.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Mortgage

I have been trying to work with Wells Fargo. Wells Fargo attorneys received an index number for me in XXXX and have been aggressively trying to take my home from me. 
They sent me a letter requesting a face to face meeting with me on XX/XX/XXXX. 
I have had many conversations with the Wells Fargo employees trying to reach a solution. On XX/XX/XXXX I spoke via phone to XXXX XXXX set me up with 3 payments plans : 1. XX/XX/XXXX - {$5300.00} to cover XXXX & XX/XX/XXXX - comf. # : XXXX. 
2.The second for XX/XX/XXXX in the amount of {$8000.00}. to cover XXXX, XXXX & XXXX comf : # XXXX. 
3. Third payment in the amount of {$5700.00} to cover XX/XX/XXXX & XX/XX/XXXX to be called in to Wells Fargo because computer system would not allow representative to confirm the number for the year XXXX. I also spoke with another representative name XXXX on XX/XX/XXXX @ XXXX concerning my payments and another representative name XXXX who connected me with another representative that Wells fargo would not be able to make any of the confirmed payment withdrawals as of XX/XX/XXXX. Putting me 6 months behind after they withdrew payments from my account. I made all of these payments and was not given any credit for all of my payments and they put me in foreclosure. Please help! 

.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the inaccuracies found on my recent investigation of my credit report. The discovery of unverifiable, invalidated, and inaccurate items has caused severe distress and emotional hardship. 

It is imperative to note that under the Fair Credit Reporting Act, all information reported on my credit profile must be 100 % accurate. However, the items in question appear to be in direct violation of this requirement, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

Your agency has a legal obligation to ensure the accuracy of the information it reports, yet it is evident that this standard has not been met in my case. I demand immediate action to rectify these discrepancies and bring my credit report into compliance with the law. 

Enclosed with this letter are copies of all correspondence previously sent regarding these matters for your reference and review. 

I expect a thorough investigation and prompt resolution of this dispute. Failure to address these issues satisfactorily will leave me no choice but to pursue further legal action.
Product: Mortgage

I had tried to payoff my loan before it transferred to a new servicer. The total balance was approximately $ XXXX. My Banking online will only issue amounts for up to $ 100K, so I sent 2 payments totaling the the payoff amount. My bank sent the $ XXXX by EFT but sent the $ XXXX payment by check instead. This made the payment take an extra week and was received on XX/XX/XXXX, the date of the transition. The previous bank endorsed the check to the new service provider and requested that it be credited for us. Instead the new service provider returned the check to me, saying that I needed to pay an increased amount of about {$400.00} to payoff the loan. This is a ripoff! 
I can see paying the extra couple of days interest, but by returning my check to me they have increased my costs by hundreds of dollars and made it impossible to pay it off by the date quoted. I can't issue a new payment until my bank can confirm that the check wasn't cashed. This will take weeks. Who has an extra $ XXXX lying around to make a double payment? This results in my being charged interest on the full amount until this mess is cleared up, probably 4-6 weeks. If they had kept the check and credited us with that amount, I could have issued them a 2nd check immediately to pay them in full and minimizing the extra charges. 
They had constructive payment on my account XX/XX/XXXX, but refused the payment costing us an extra 4-6 weeks of unnecessary interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The illegal reported to my credit without contacting me concerning the degt for validation or knowledge.
Product: Debt or credit management

Since XX/XX/year> Global Holdings has been receiving twice a month payment from me to settle/negotiate credit card debt. As of today 's date, I have given them {$6900.00}. They have not settled any of my debt to date. In fact, they have put me off two months in a row, telling me it will be the next month and thank you for being patient. I have watched my credit score crash with no results from them. They have been taking administrative fees and other processing fees on the front end with no evidence of any work or effort. Recently they have attempted to get me to sign a document that they are changing their process to collect fees after the settlement. I did not sign the document. Now I have received an email through XXXX XXXX XXXX with a Supplemental notice telling me there is a class action law suit which issued a temporary restraining order restricting them from collecting any advance fees or settling any debts. The case is in New York and it is being filed by the Consumer Financial Protection Bureau and the case number is XXXX. ( XXXXY ) : Case No. 1:24-cv-00040-EAW-MJR. I want to be a part of the " XXXX '' group and need help doing this or who to contact. I understand the debt is still mine, but need to be whole again to fix this. I have stopped payment from my account.
Product: Debt collection

Sent debt validation via certified mail on XX/XX/2020. The company failed to validate the debt. Instead they sent a copy of my medical records. I know this is a violation of XXXX regulations. I never signed anything authorizing them to have access to these records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputed documents in XXXX, XXXX  and XX/XX/XXXX to all three credit burueas XXXX, Experian and XXXX disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX****, XXXX   XXXX****