23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone stole my information. And open up a apartment in my name in XXXX texas. The name of then is XXXX XXXX  XXXX XXXX. I found out because I was trying to get a place to stay and it came on my credit report. I never stayed in texas a day in my life, for the same company they also used my information for there electric bill called XXXX XXXX XXXX. I have tried to dispute the charges but nothing is being resolved. I have filled a police report and a Identity theft form .someone has access to my social security number and is using it opening up accounts under my name can someone please help thank you
Product: Debt collection

LOST MY JOB, ALERTED THEM I WOULD MAKE PAYEMNTS AS SOON AS I FOUND WORK, THEY ARE UNWILLING TO LISTEN/BELIEVE ME. PHONE CALLS ARE NON STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " XXXX XXXX' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Product: Mortgage

I applied for a mortgage to purchase a new home. I offered to put 5 % down, and asked to increase the loan enough to include seller paid closing costs. Based on estimates provided from the mortgage company, I offered XXXX with up to {$8000.00} in seller paid closing costs. The lender sent me an initial TIL and explained that the closing costs would be less than expected, with an explanation that I could ask the seller to modify the purchase offer and decrease it by {$2000.00} to be {$300000.00}, or we could buy down our interest rate from 4.99 % to 3.875 % for a cost of {$1500.00}, as a way to use most of the seller credit. The seller did not want to amend the purchase offer, so I asked the lender to buy down the rate to 3.875 %. The lender did. 
Once we got close to closing, our loan officer went on vacation and her manager XXXX XXXX took over our loan process. We received closing statements showing that our rate at 3.875 %, but with the cost to buy down the rate significantly higher than {$1500.00} as originally agreed. It was explained to us that closing costs came out an additional {$2000.00} ( approximately ) lower than expected and they understood we wanted to use all of the seller credit, so they applied it to the rate buy down. Yet, the additional funds were not used to buy down the rate further. When I asked XXXX XXXX to use the funds to further buy down the rate, he refused claiming that I would need to pay multiple thousands of dollars in addition to the seller credits in order to reduce the rate to anything less than 3.875 %. I was already late for closing and at risk of losing the house as the seller would not agree to extend closing any further. So, I asked the lender to honor their original offer of buying down the rate to 3.875 % at a cost of {$1500.00}. The lender came close to that and the additional seller credit of approximately {$2000.00} was paid to the seller. Ultimately, I over paid for our home by roughly {$2000.00}. Fortunately, I am able to read and understand a TIL. Otherwise, the lender would have conveniently used all of the seller credit for the benefit of the lender, rather than the benefit of the borrower. My complaint is against XXXX XXXX with XXXX XXXX XXXX. I can provide the initial offer letter and initial TIL along with the final closing documents. Interim TIL were not provided to me in a paper format, but we're rather sent electronically through a cell phone app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX Missed payments ' XXXX XXXX  I OWE THEM {$270.00} in COLLECTIONS OPENED XXXX. XXXX XXXX XXXX I OWE THEM {$1900.00} IN COLLECTIONS OPENED XXXX. 

15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my three written request, the unproven noncompliant account listed as XXXX XXXX XXXX still remains on my credit report with Experian in violation of the Federal Law.  This account has been deleted by XXXX and XXXX. In the result of your re-investigations, you stated in writing that you " verified '' that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? Due to their continued willful disregard of the law. I intend to pursue litigation in accordance with the FCRA to seek relief and recover monetary damages that I may be entitled to under Section 616 and Section 617 If the noncompliant, unproven, unverified account is not deleted within 10days. I have filed a complaint with the Attorney generals office. A copy of this complaint and all three certified letters that I have sent your company will be submitted as evidence in the pending litigation provided that you fail to comply with this offer for settlement. The law is very clear as to the civil liability and the rememdy available to me Section 616 and 617 ) if you fail to comply with the Federal Law. please deleted this account Immediately!
Product: Credit card or prepaid card

Synchrony Bank 0 % promotional advertising for their Ashley Furniture XXXX  is deceptive. I have 2 different purchase dates with 0 % interest for the same promotional end date and Synchrony is supposed to apply payments to the oldest balance ( since the rate is the same and the promotional end date is the same ) but they have been applying my payments to the newest balance ( making the difference in accrued interest at the end of the promotional period nearly {$200.00} more if I only pay off 1 before the promotional end date. How many people are they doing this deceptive and illegal practice to? I chatted with a live representative who said it doesnt matter if they are both paid off by the promotional date. People can not always make that happen so it looks like they are trying to keep the payments going to the newest purchase so the oldest purchase has a lot more in deferred interest if it happens to not be paid by the promotional end date. This is wrong and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Debt collection

Frequent harrasing calls al non convenient times and on weekends from unknown numbers. 


I have sent a letter to cease and desist all communication in any matter and to any XXXX party not authorized by me in writing pursuant to the FDCPA 15U.S.C 1692c ( b ) ( c ) as of XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX XXXX '' continues to report inaccurate information to EXPERIAN, XXXX, AND XXXX even after I sent them my dispute letter. It has now been far past the 30 days that they had under the FCRA to respond or delete this entry. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait as well as a copy of the initial dispute letter that I sent to XXXX XXXX. 


According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and EXPERIAN XXXX XXXX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as they are in VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY.
Product: Checking or savings account

I opened Citibank account in XXXX  and successfully use it for long time. On XXXX XXXX, I received an email from Citibank that my account will be closed within 60 days. The email simply states : Based on a recent review of your account, we found that you have violated the terms per the client manual. There were no specifics given in the email as to what terms exactly I violated. I contacted Citi twice on XX/XX/XXXX and XX/XX/XXXX, both Citi representatives quoted the same statement in the email without adequate explanation why the account is closed. When I asked them how to get the remaining funds back, they said I will be receiving a mail with detailed statement and a check of the remaining balance, which is around {$19000.00}. 
But after patiently waited for 3 months, I still have not received anything from Citibank as of XX/XX/XXXX, so I called them again and only been told that after a further review, they were able to confirm a {$15000.00} refund check will be mailed to me under separate cover for your receipt in 7-10 business days. And release funds that have been verified as belonging to you. What it means? Money on my account not my money? Citi never ask me to prove transaction and never request any additional documents. I dont know about Citi investigation result. I know its XXXX XXXX XXXX  still hold. 
If I need to open Hold Harmless Claim in order to return the remaining balance to the original account. Again, there were no explanation from Citi representatives as to why they changed the disposition and why they can`t return the remaining funds directly to me. 
In the following days, I made numerous calls to Citibank again, but I ' ve faced resistance and indifference. And nobody from Citibank Deposit Risk team care to provide adequate information as to why a hold harmless claim is needed for me to get my own money back from a closed account, and nobody from Citi is willing to work with sort this out. The Citibank agents I talked to either find excuses to disconnect me or tried to transfer me somewhere else nobody understands what I was talking about and then transferred me again. Its been a nightmare dealing with Citibank customer service. As a consumer, Ive diligently pursued all avenues to rectify this situation. I had waited more than 80 days and spent tons of hours working with Citibank trying to get my money back, but ended up being put into a hopeless position as where I am now. Its ridiculous and beyond frustration. 
When I called Citi and asked them is this the reason they closed my account, they said no, yet can not provide more info. 

However, lack of cooperation from Citi and their unwillingness to even request proof from me or other party is a complete disregard for customer service. 

I ask that you provide me with the results of the investigation and return my rightfully owned money. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Cell XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated many consumer laws. 
The first one being PERMISSIBLE PURPOSE. 
Equifax did not and do not have permissible purpose to post anything to my consumers credit report without my WRITTEN CONSENT. No consent is identity theft! 

Equifax has also committed AGGRAVATED IDENTITY THEFT. Equifax willingly and knowingly took information from a third party other than myself and reported to my consumers credit report. VIOLATION! THEFT! FRAUD! A CRIME! 

I have reached out VIA certified mail with return receipt numerous times to rest assure that EQUIFAX have received my demand to immediately remove XXXX XXXX service and any other hard inquiries that is on my consumers credit report. Any hard inquiry thats on my consumers credit report and for every hard inquiry thats posted to my consumer credit report is {$1000.00} a piece for each party responsible! I am the original creditor and I am the only one who dictates what goes on my consumers credit report! 
Equifax has also broken their own written policy rules! After 30 days, after their investigation I have not heard anything from Equifax and from that point on everything that I demanded to be removed shall be removed. Equifax failed to do so! 

Equifax has also lowered my score XXXX points and I was one of the millions of ppl who was effected by that. Im also demanding equifax to properly and quickly fixed this issue. Equifax blamed that error on a TECHNOLOGY CODING ISSUE. This error was dated back to mid XXXX. 

Another consumer law that Equifax has violated is Under 15 USC 1681 ( a ) 4- Accuracy and fairness of credit reporting ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax is a credit reporting agency right? So where is my privacy as a consumer? Again, I am the only one who dictates what goes on my consumers credit report. 

A copy of this will also be sent to the attorney general, Equifax, XXXX and more!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Capital One, the reason for these complaints is that several requests for credit appear without my authorization and without my permission, I requested via certified mail the elimination of these inquiries and you. You have not made any change in my credit report with XXXX. Because you have not done anything about it I request that the following inquiries be removed immediately from my credit report with XXXX. 
1 ) CAPITAL ONE DATE XX/XX/2020 2 ) CAPITAL ONE DATE : XX/XX/2020 3 ) CAPITAL ONE DATE : XX/XX/2020 ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. 
This is illegal and highly injurious to my credit rating. 
Unless you immediately contact the credit bureau and remove this inquiry from my report, I will have no choice but to take legal action. 
Please govern yourself accordingly.
Product: Debt collection

I'd like to make a complaint on XXXX XXXX of I.Q. International Data , Inc. 

This collector has been extremely rude, overly aggressive, and in violation of the FDCPA. 

After speaking with him and him being so belligerent and rude I asked not to be contacted by phone again. This was on XX/XX/2019. At that time I provided my mailing address and asked for all future correspondence to be sent via mail and NOT to call me again. XXXX then proceeded to make an outbound call to me on XX/XX/2019 again, despite me asking him not to call again. For the second time, he was so unbelievably rude and aggressive that I disconnected the line and called back asking for a supervisor after he repeatedly demanded that I provide him with attorney information. 

I spoke with XXXX XXXX of I.Q. International Data , Inc. who is one of the supervisors there. I informed him of how belligerent Mr. XXXX had been and he advised me at that time that all future calls I made to the company be addressed to him as he would be more than happy to assist me considering I'd had such a difficult experience dealing with his representative. 

Yesterday, I called I.Q. International Data , Inc. to pay my account off. I was directed to XXXX, despite asking for a supervisor or XXXX. He then proceeded with yet another belligerent interaction with me and refused to allow me to speak with XXXX or another supervisor despite my several attempts of asking. 

Something has to be done about this guy. Regardless of owing a debt to a company, it does not constitute an agent to repeatedly disrespect, antagonize, or belittle me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i would like for XXXX XXXX XXXX XXXX XXXX and santander consumer usaa to have credit bureaus to remove those accounts in my name from the credit reports. i have already been through this with the nc doj and XXXX as well to resolve this stuff but to no avail. santander nor XXXX XXXX are allowed to contact me by any means
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, IL XXXX Experian RE : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX 2.  XXXX XXXX XXXX 3. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


Lastly, I logged on XXXX to get Pre-Approved and next thing I know I had 3 inquiries. Nowhere does it say when getting pre approved that they're going to pull your credit. It wasn't until I started getting the notifications did I realize that my credit was being pulled.
Product: Debt collection

On XX/XX/2021 Midland Credit Management open a collection. 

{$640.00} that I owe I have never signed any written documents saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and they have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 



XXXX XXXX XXXX
Product: Mortgage

I hired RCM Mortgage as my mortgage broker for my VA home loan purchase made in XX/XX/2016. RCM Mortgage made a huge error when calculating my estimated payments. I was provided with documentation along the way with the estimated monthly payment and the Final Closing Disclosure provided at closing as well as other closing documents showed an estimated monthly payment of {$1500.00}. I recently received my Annual Escrow Disclosure statement from my mortgage company and learned about RCM 's error. As stated, RCM Mortgage estimated my monthly payment including escrow at {$1500.00} but in actuality the estimated monthly payment should have been {$1700.00}. RCM miscalculated the property taxes and provided the incorrect payment amount on my closing documents. The error resulted in a difference of {$140.00} per month and {$53000.00} difference over the life of my loan. Today I have an escrow shortage in the amount of {$1700.00} and a huge payment increase to deal with. I contacted the broker to discuss the error and simply only received an apology. I contacted the manager of RCM Mortgage and did not even receive so much as call back. Due to the miscalculated payment which was RCM 's error I am now contractual obligated to a payment that I am not comfortable with. I made the broker very aware that I was very sensitive about the payment and only closed the loan based on the information that they provided. I was not provided with accurate closing information and feel that RCM acted in an unethical manner when negotiating the terms of my mortgage loan and provided closing information that they knew I would agree upon even though it was not accurate. I would like RCM Mortgage to provide some type of monetary settlement to help offset their error.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. 
On XXXX of 2017, I purchased a " Used '' XXXX. 
Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. 
The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. 
Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. 
A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.