23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had been with the Grain Credit card company since XXXX XXXX. Out of nowhere in XXXX of 2022 they ask to verify my identity. I send a picture of my Texas DL and several days later I receive a reply stating that my account is closed because they cant verify me. The company never responds to the consumer. Their system wont allow me to remove my personal information. I am sure this is not the only complaint you have received in regards to this. It seems this has been done to several of their consumers in the last month. This is a very shady business.
Product: Debt collection

XXXX has sent a bill that I have disputed as identity theft to another collection agency. I would like XXXX to close the bill out completely as identity theft and quit out sourcing the loan.
Product: Mortgage

We began searching for a mortgage back in XXXX 2016. We started working with Wells Fargo Home Mortgage and on XXXX we gave them {$530.00} for a home appraisal. While in the process we decided not to proceed with them and canceled the mortgage file. Before the funds were given for the home appraisal, the loan originator, XXXX XXXX, advised me that if we cancel before the appraisal is completed we would be reimbursed that fee. We cancelled the file on XXXX/XXXX/2016. Since we have not received a reason of why our funds have not been reimbursed and we are no longer getting a response. I was informed on XXXX his Manager, XXXX, would take care of the request. Again, no response.
Product: Money transfer, virtual currency, or money service

There were no protections to make sure I authorized the payment or was sending it to the correct person.
Product: Mortgage

We sustained damage to our home due to a improperly installed HVAC system which resulted in the collapse of the ceiling in our kitchen. Due to the contractors insurance never mitigating at the time the damage occured we had over {$50000.00} damage to our home. We worked with our own insurance and received an insurance check made out to us and the mortgage company. When we contacted the mortgage company we were instructed to submit the report from our insurance XXXX and the XXXX that we were hiring along with the endorse check ( XXXX ). This was all submitted on XX/XX/XXXX25. They received it on XX/XX/XXXX25 and that check cleared XX/XX/XXXX25. We were told that a first draft of XXXX would be sent to us in 8-10 days. I called back on the XXXX day and was told that they need clarification from our insurance company as to the type of loss. This was done on XX/XX/XXXX25 and we were again told it would be 8-10 days from that date. I called on the XXXX day ( XX/XX/XXXX25 ) and was told they do not know why the check has not been sent, but would request it along with a callback from a supervisor. An overnight XXXX label was created to send this check to us for the delay. On XX/XX/XXXX25 I again called and was told that the check would be sent on XX/XX/XXXX25 or XX/XX/XXXX25 and another request for a XXXX  call was completed. I followed up with them on XX/XX/XXXX25 and was told that the check was in the mailroom that morning and we would receive the next day, they provided us with the XXXX tracking number. There was no check received on the next day. on XX/XX/XXXX/25 called again and was told that the check was sent on XX/XX/XXXX and accepted by XXXX at XXXX XXXX  and that I needed to call XXXX. She also said that the previous information that I was given was incorrect and apologized. I called XXXX and checked the tracking portal which stated XXXX was not in possession of the package. XXXX confirmed they did not have the package and that it had been over 24 hours since the shipper said it was sent they would consider it a lost package and to call the shipper to initiate an investigation. I call the mortgage co back and they still stated that it was sent on XX/XX/XXXX25 and confirmed at XXXX XXXX. They said they would put a stop pay on that check and reissue the check sending it by overnight XXXX again. This process will take another 3-5 days. So far it has been close to a month of back and forth with the company and there is no end in site. Repairs can not begin until payment is made to the XXXX and since we are unable to live in our home while being repaired the time that the insurance company will cover is being eaten up by the delays of the mortgage company and we will be homeless while our home is repaired.
Product: Debt collection

Multiple Issues. Last week I received a call that appeared to sound like it came from an autodialer. My phone is a cell phone. When I asked the representative, she kept skirting around the issue and I asked to cease and desist. 

I received another call and right away the person asked for me and provided my full name, date of birth and last XXXX of my social. Nothing was confirmed by me who I was and I asked who she was. She stated her name was XXXX XXXX. I asked if she was calling on her own or on the behalf of a company. She stated she was calling from Account Control Technology on a personal business matter which is well known to be a collection call. I asked to have my number removed.
Product: Debt collection

XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Has placed a collection account on my   XXXX   report in the amount of {$600.00}. I received no notice that this was going to be placed on my report. This was done  XXXX   XXXX ,  2017 .
Product: Credit reporting or other personal consumer reports

I filed my dispute because I believe the accounts mentioned in my attachment are not reported accurately or completely. The supposed clarifications or updates have left me with greater doubt. Now I want answers to these new questions but it won't let me register my dispute on its website, indicating the following message : " Dispute Temporarily Unavailable. '' I feel that any questions should be resolved and if there is no answer then they should be removed from the credit report until their investigations are completed. But they are not allowing me to make my disputes.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint about the Charge Off account upon checking it in my credit file and I supposed that credit bureaus should remove this charge off account in my credit file. I found out that the account XXXX XXXX XXXX still on my credit file which is appeared as charge off, the fact is, I've been disputted it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the charge off reported on the above-mentioned account is inaccurate. I have diligently made efforts on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I am pleased to request that you investigate this matter promptly and help me remove the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the removal once the investigation is complete. With your assistance, this account XXXX XXXX XXXX XXXX Balance : {$7900.00}, should be removed right away.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been reported on my Equifax credit file, causing significant harm to my financial stability and emotional well-being. These accounts were opened without my knowledge or consent and continue to negatively impact my credit.

The fraudulent accounts on my Equifax credit report are : XXXX XXXX XXXX  - {$1100.00} XXXX car loan ( opened XX/XX/year> ) The XXXX car loan is particularly damaging. I never authorized or benefited from this loan, yet it continues to inaccurately appear on my credit report as a valid debt.

I have submitted my FTC Identity Theft Report, a copy of my government-issued ID, and proof of address to substantiate my claim. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ], I am entitled to the removal of fraudulent accounts upon providing evidence. The continued reporting of these accounts violates [ 15 U.S.C. 1681s-2 ], which prohibits the furnishing of inaccurate information to credit bureaus.
Product: Credit reporting

The complaint that I have is with fstprogress. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay fstprogress. I have not received anything that I requested and it is still on my credit report from all three of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me
Product: Debt collection

Chase contacted a family member through a phone number listed on my XXXX account. Chase claimed the number is on file in my account information that 's a lie. I asked Chase how they acquired the phone number and the woman said we did n't do anything illegal. " That number is listed on your account file ''. That number has always been used by my brother. Chase obtained that number through deceptive practices.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Mortgage

I applied for a refinance through New Rez, my mortgage company, in XXXX of XXXX. 
This company strung me along for months, sometimes asking for docs, sometimes w/o a word.I complained by phone, numerous times. I finally got a denial of application XX/XX/XXXX. This process was excruciating, during a time I needed the extra support. In XXXX I lost my job which was with a nonprofit. I was not able to attain unemployment because of the status of contractor for nonprofit. The situation became worse. It should not have taken New Rez, more than 6 months for this process which ended in denial.This company, formally know as XXXX, has been my mortgage co. for 13 years.
Product: Credit card or prepaid card

I am a Costco member and have the Citicard XXXX XXXX Card. It is very strange, I applied twice for credit limit increase and got denied, the reasons were that my phone number associated with my fraud alert did not match and Citicard did not get my permission to get a credit report which were lies. I did have a fraud alert last XXXX, called XXXX and reported it and stuff. Then earlier this month when I applied for credit limit increase, I remived the lock, called the bank and credit bereau before hand and informed them of my plan. Then after I applied, I got a denial. I called Citibank and the credit bereau and apparently according to XXXX, the phone number on my file was not listed as my mobile phone, it was listed as a landline so they fixed it. 2 days later I called Citicards again and re applied and got denied again. I have an excellent credit, I dont have a mortgage or car payment and I pay the balance on my credit card every month. I am not sure why I keep getting denied, very strange. Also, last spring, sometime in XX/XX/2021 or XX/XX/2021, I also applied for the XXXX XXXX Checking account and got denied as well. I am not borrowing money from the bank, I was going to deposit {$150000.00} of my money and got denied? Why? Apparently bec they can not verify my credit report which was strange. I honestly believe that Citicard has some sort of prejudice on me. The people there dont know what they are doing. They think I am a risk so they deny me. I honestly have plenty of cash to pay for things. Unbelievable, whatever parameters they use to screen and whoever is working there do not know what they are doing. Help
Product: Mortgage

Rushmore Loan Management Services ( RLMS ) RLMS, I am filing a complaint against your company based on the way my loan was handled after it was transferred to your organization. This is a two-part complaint. The first complaint was filed with XXXXXXXX XXXX  XXXX, see complaint # XXXX, so moving forward starting on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX loan to Rushmore Loan Management Servicing ( RLMS ). Rushmore Loan Management Services, I am including copies of checks that were paid XXXX before your company took the loan. Both XXXX and Rushmore have copies of all checks because copies were either faxed or mailed to them. Also, I am providing copies of checks, XXXX payments, and letters that I received from RLMS, Loan XXXX, from XX/XX/2021 XX/XX/2021.
Product: Credit card or prepaid card

I have a Home Depot consumer credit card which Citibank controls. On XX/XX/XXXX I made a purchase using a promotional interest free 24mos financing to install carpet. The amount financed was XXXX and without fail I paid continuously XXXX for XXXX and according to my bank I have completed the last payment on XX/XX/XXXX. In the interim I charged few items that did not fall within the promotional financing. During the 24mos period I never received a statement but had a recurring payment scheduled via my bank XXXX XXXX so did not worry about not receiving the statement. I am the co-card holder of the credit card applicant which was my husband who passed away in year XXXX. Then on XX/XX/XXXX I went to home depot and tried to use my card as usual but was told I can not use the home depot credit card, but the cashier went ahead and accepted it any way. Then from that point on I have been receiving collection calls on my home number and cell repeatedly but ignored it because I was hoping to see a piece of mail to respond if the calls are valid in some way. Never received a letter so thought those calls were fraudulent. Yesterday XX/XX/XXXX I asked my daughter who takes care of my bills to check out why am I receiving so many calls. At that point she set me up online and realized there is a huge amount as a balance still left to pay. Immediately called the number in the back of the credit card. Come to find out that large number is the interest charged within the 24mos period.which I never missed a payment on. The issue was that they applied my payment on the promotional financing to the small purchases that were not part of the promotional financing. The customer service person said without the interest the actual amount owed since XXXX is XXXX which I paid right away using my debit card. I believe I am unfairly charged the interest as they never sent a piece of mail notifying me of the non-payment. Also never received an email either because I only set my email with the home depot credit card on XX/XX/XXXX when my daughter set me up. The customer service person said that I have been receiving the statements and I should have covered those small charges but like I said I never saw those at all. Please help because I am living on my retirement and no way of paying the interest and also refuse to pay the interest because we never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Account : XXXX XXXX ( Original Creditor : 10 XXXX XXXX  ) Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights.

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent.

Federal Law overrides any company policy. 

Dept of EDUXXXX -account number XXXX XXXX XXXX XXXXXXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX XXXXaccount numberXXXXXXXX XXXX XXXX  -account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXX account number XXXX XXXXt- account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXXXXXX Unknown account name- account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX- account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of an apartment where I had XXXX internet and cable service. It was month to month with no contract. I moved in Late XXXX, early XX/XX/XXXX. I made my last payment XX/XX/XXXX. I have an email thanking me for the payment. I called to disconnect the service and was given instructions to return the equipment to avoid additional charges. I returned to a XXXX  store in XXXX, Ga. I called back to confirm receipt of the equipment and no outstanding balance. I was told there isn't a balance " at this time '', and they could see where the equipment was received in. I provided a forwarding address, and they had my email and phone number since XXXX. I have not received anything more than promotional emails from XXXX  until today XX/XX/XXXX getting an alert that my credit report changed. I looked at it and there was a collection from I.C. Systems with an approx. {$250.00} balance. I called to verify and was explained that it was from XXXX. I explained everything stated above to them but they were only interested in collecting the debt, even offering a settlement. I told them I didn't feel that it was correct. And if there is was a balance, I should have been notified prior to it being placed on my credit as a collection. I have had no notice of a past due balance for the entire time. This has to be some type of violation of consumer rights. It places a negative impact on my credit report and it is a unfounded charge that they mysteriously generated after almost 2 years, without notice.
Product: Credit card

Td bank XXXX  This company approved a credit card with a limit of $ XXXX for furniture at XXXX XXXX . I paid deposit immediately of $ XXXX for custom furniture at the store using the credit card number. I never received a credit card or a bill from this organization. Then one day they called me and told me I had an outstanding balance that was past due. I explained that I had never received a card or a bill from them and I paid the FULL balance immediately upon receiving the phone call. Nonetheless, this organization reported delinquency of less than 7 days to credit bureaus which had negatively impacted my credit. I have called them to no avail. I am requesting this be removed from my credit. I NEVER received a credit card or a bill from this organization. When I received a call from them I paid immedialetly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to speak with someone from XXXX and Transunion, both of them I was in the auto response loop going no where. The issue is I want to know why my score with both of them dropped XXXX points. And the options to do dispute online does not give you those choices. 
Why is it there is no one to speak with about this when there decision make a difference in our life?
Product: Credit reporting or other personal consumer reports

The name listed on the accounts XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX # XXXX, # XXXX. Achieve XXXX Accounts is under a different name than mines also under a different address which does not belong to me. XXXX XXXX XXXXXXXX is under a different name and a different address and is also reporting on XXXX and XXXX with no balance and Equifax is reporting with a balance. Its XXXX addresses reporting on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX. This is a discrepancy on my credit report and also is enabling me from purchasing a home and have effected my life terribly. I need these accounts removed immediately. I have uploaded my credit reports, driver license and social security card.
Product: Credit reporting or other personal consumer reports

The creditor has violated my rights under 15 usc 1681 section 6 ( o ) states I have the right to privacy.15 usc 1681 section 604 a section 2 it also state a consumer reporting agency can not furnish an account without my written instructions, under 15 uscs 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purposes
Product: Credit reporting or other personal consumer reports

I am writing to inform you that you have illegally reported an unauthorized inquiries on my credit report. I did not give you permission to access my credit profile, and you have no legal right to contact third parties with my private or personal information. Your actions amount to aggravated identity theft under 18 U.S.C. 1028A. You have knowingly, without lawful authority, transferred, possessed, or used my means of identification, which is a felony punishable by up to two years in prison and civil liability. 
You are also violating the Fair Credit Reporting Act ( FCRA ) by obtaining my consumer report without my permission or for a purpose not permitted by law. The FCRA is codified at 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). ( See XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) ).