23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Citi Prestige Card ( for which I pay {$450.00} per year ) that rewards purchases in Thank You Points. The Thank you points can be used to purchase travel related items. In XX/XX/2016 I purchased two tours through the Citi Thank you Portal 1. Dinner Along the XXXX XXXX and 2. Spectacular XXXX. I paid XXXX points ( {$130.00} equivalent ) for the first tour and XXXX points ( {$46.00} equivalent ) for the second tour. 
The tours were not as advertised. The first one did not provide the tour offered and the second one was cancelled by the vendor. I contacted Citibank upon my return on XX/XX/XXXX by telephone. They assured be the points would be refunded. I contacted again the following week and got the same reassurance. I then contacted again at the end of XX/XX/XXXX and spoke with supervisor XXXX XXXX. I have been in email contact with XXXX XXXX ever since. He called me on XX/XX/XXXX to tell me that they agreed to refund the XXXX by night tour and the points would be back in my account by the end of the week. I am still waiting. On XX/XX/XXXX I was told via email that I would receive the points for the 2nd tour as well. I am still waiting. 
After numerous emails where I provided extensive documentation and phone calls I am still out of my points that I earned via an expensive credit card. I was cheated out of the tours I booked and now it seems I am not able to get my points/money back either.
Product: Credit reporting or other personal consumer reports

When looking over my recent credit reports I came across some accounts XXXX XXXX XXXX  amount {$6800.00}, XXXX XXXX amount {$3000.00} that i dont recognize. Ive tried disputing the account because im currently trying to purchase a home and nothing has been sent back to me as far debt validation or updated credit report. This Agency is in violation of This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor only i can validate this debt. i do not validate this debt. My information was also involved in a data breach.
Product: Mortgage

United Wholesale Mortgage ( UWM ) - Failure to return escrow funds in a timely manner as prescribed in CFR 1024.34 ( b ) ( 1 ) My mortgage balance was paid off on XX/XX/2021. 

I received a letter from XXXX dated XX/XX/2021 indicating my mortgage was paid in full and, " Any funds remaining in your escrow account, or funds received in excess of the payoff amount, will be processed and returned in accordance with applicable state and federal laws ''. 

As indicated by XXXX and the online portal ( XXXX ), a refund was processed on XX/XX/2021. 

On XX/XX/2021 I called the customer support number ( XXXX ) asking about the status of the refund. I was told by customer service that checks take a further 5 days to be produced and mailed out. That would place XXXX outside of the 20-day requirement to return remaining escrow balances. I asked XXXX customer support for proof of mailing but they are unable to produce one. Customer service says the United States Postal Service ( USPS ) is slower than usual. That is an unacceptable excuse when they can't produce proof that it was placed in the custody of the USPS. 

As of XX/XX/2021 the refund has not been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never applied for car loan XX/XX/2018 shows as hard inquiry
Product: Credit reporting or other personal consumer reports

I had a lease with the XXXX XXXX and got involved into a fraudulent activity, as a result there is a legal case at Department Of Justice and I'm officially a victim. XXXX already removed the XXXX XXXX account from report, but Equifax and XXXX are not. It's illegal to report any fraudulent accounts on any credit reports. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint asking XXXX, XXXX, and Equifax to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.
Product: Credit reporting or other personal consumer reports

My car was sold in auction. XXXX account number # XXXX is still reporting late payments to the credit bureaus, late payments, defaulted payments on a car that was sold, thats an error itself. And each bureaus has a different date of late payments. Theres so many errors and inaccuracies. Please have this account removed from my credit report. Its hendering me from purchasing a home for my family.
Product: Debt collection

I sent a debt validation letter to the XXXX XXXX. What they sent was not sufficient validation that I owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
ALLY FINCL/ALLY FINANCIAL INC. XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Mortgage

My wife and I closed on a home on XXXX XX/XX/2022 on a fixed rate. I am XXXX XXXX XXXX veteran my home of record is Alabama. We purchased in Alabama because we would be exempt from taxes. Ever since we closed every month my mortgage has been a different amount, not to mention I'm still paying taxes every month. I've faxed in my paperwork with the parcel number to Mortgage Solutions, they told me it was up to their company whether or not I'm tax exempt and I have to fill out paperwork and it would take up to 6 weeks before I get an answer. None of this sounded correct so I called the closing lawyer ( will not return my call ) to make sure. I served my country, and I would like answers. I don't mind paying if I owe it, but none of this seems fair to me and I want to know where my money is going, why have my mortgage not been the same amount since my first payment all the way to this month ( XXXX ), and why is it up to the company if I'm tax exempt, when it states that as long as I'm a Veteran and I purchase in the State of my home of record ( Alabama ) I should be tax exempt. My mortgage is supposed to be {$1900.00} ( including insurance ) before tax exemption, after it is supposed to be {$1900.00}. I paid {$1900.00} once my first payment in XXXX. The lawyer gave me these vouchers to send in with my payment they won't accept them. The payment I made with the voucher was never applied to my account until XXXX where I had to pay {$2000.00} After I get letters in the mail, I owe {$3900.00} for XXXX, XXXX, and XXXX after making my payments on time. I got another for {$1900.00} then I get 1 for {$2100.00} starting XX/XX/XXXX, now I have 1 for {$2000.00} ( I paid this month, XXXX ). During this process I'm getting more mail from them stating my account is 30 days delinquent on top of all this I'm still being charged taxes. I'm just trying to get an understanding on what's going on here.
Product: Debt or credit management

I was approved for the student forgivness loan in XXXX  and the mail never stopped and the name on the letters was mohela and now its XXXX U.S Department of Education
Product: Mortgage

I have a mortgage with Amerihome mortgage that was established last year. The property for the loan has a tax abatement in place starting this year XXXX. The Bank has been collecting property taxes in an escrow account on the loan since the inception of the loan and has not stopped to this day. 

I have provided the bank with proof of the current tax abatement in place and they have still not taken any action toward stopping the collection of the property taxes. Furthermore the bank didn't pay the City of XXXX the required property taxes in XXXX and I had to pay the property taxes out of pocket for the year of XXXX. The escrow account has account a balance in excess of {$7000.00} and has not been refunded back to me nor has any amount been paid to the City of XXXX. 

My second complaint is I have requested the PMI to be removed on the property. The bank has provided contradictory information on the PMI requirements stating that the requirement is a 75 % LTV but in other areas stated I need a 65 % LTV to have it removed. I have previously requested an appraisal to have the PMI removed and they have ignored my request.
Product: Debt collection

To whom it may concern I am writing to request, that this debt please be deleted from my credit history report, You may verify with the source and I have included their contact details According to the Fair Credit Reporting Act ( FCRA ) Section 602 ( b ) I am permitted to have accurate and true information reflected in my credit report. To accomplish this I am requesting the collection from ( Penn Credit ) be deleted as it was on XXXX Thank you,
Product: Credit card or prepaid card

My XXXX XXXX card was automatically transferred to Wells Fargo on XX/XX/2023. I activated it that day. I went on line to set up the account for payment on line that same day and I was unable to do so. I called their XXXX number for assistance and was told they needed more information and I needed to go a branch to try and set up the account on line. I then called their customer service number who then transferred me XXXX and spoke with XXXX who told me I needed to have a mobile phone in order to open the account on line. I told her I did not have a mobile phone and that the site stated in the on line application that the mobile phone was only recommended. She told me that it was required. I said I thought that would be discriminatory against elderly and poor people. She forwarded me to their XXXX XXXX and I spoke with XXXX and I told him to just cancel the card. He recommended that I wait until my payment by phone was processed. The next day I received a message from XXXX XXXX from XXXX XXXX offices. I left 3 messages for her and did not receive a call back. On XX/XX/XXXX I received a letter from XXXX that my phone payment had been credited to the account. I then called and closed my account. Told them the reason for closing the account was that the requirement to have a mobile phone in order to open the on line account was discriminatory and that no other financial institution that I deal with requires that. No one talked to has been able to explain their policy. I still believe that the requirement to have a mobile phone is discriminatory.
Product: Mortgage

I ca n't get Carrington Mortgage to correct an erroneous escrow analysis. My first contact/request for correction was XXXX/XXXX/XXXX. CMS Customer Service submitted my request to Escrow Dept. and immediately cancelled it. Then I called them for a status on XXXX/XXXX/XXXX and CMS Customer Service had to submit it again. This time, instead of submitting to Escrow Dept. as an escalation, they just placed it into a regular queue. I called again on XX/XX/XXXX and still they had not started on it. I was transferred to their property tax vendor who said the Escrow Dept. would need until XX/XX/XXXX ( Saturday! ) to complete it. I called again on XX/XX/XXXX and still it was n't completed. I 'm angry and frustrated because they are increasing my payment by {$300.00} a month based on an erroneous property tax projection. Please help me. This happened to me in XX/XX/XXXX and it 's the same nightmare all over again!
Product: Credit card

I have a credit card for my daughter with Chase - Visa. It had a {$2000.00} limit. I set the limit because my daughter is XXXX. For years it worked just fine. When she hit the limit we got a call or purchase was denied. This month Chase allowed a {$5000.00} over run. Yes, I got a bill for {$7000.00} on a card that has a {$2000.00} limit. When I called to complain they said " it happens all the time '', " this is standard practice '' and " it 's simply how we do business ''. Someone should put a stop to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

CB INDIGO Card Services, XXXX, XXXX and XXXX knowingly and without lawful authority, and/or expressed written and verbal consent by me, fraudulently took my likeness and personal, non-public, private information to assemble a consumer report that falsely reflects who I am and produced an identification document with authentication feature or false identification document intended to identify me as an individual. Thus, my privacy is being violated in multiple ways to the detriment of my good name. This false reporting is not benefitting me nor is it fair or equitable to me as a consumer. I demand that it is removed from my public profile immediately as the information is a result of aggravated identity theft and the fraudulent use of my personally identifying information, including my name, SSN and financial information without permission from me for the use of personal financial gain and to commit fraud and/or other crimes is strictly prohibited and unlawful.
Product: Credit card or prepaid card

I was charged a {$29.00} Return Check Fee on XX/XX/2023 for insufficient funds for a payment on my Costco Visa credit card. I already tried to request a refund for this fee over the phone, but it didn't work out. I was hoping for a one time exception as a loyal customer with Citi Bank for years now. Looking forward to hearing from you soon.
Product: Credit card or prepaid card

On XX/XX/XXXX, I lost my credit card so I called CITI to order a replacement card, then I was told to wait for 7-10 business days. But after 2 weeks, I did not receive my card, I made several phone calls then, every service representative had their own version, a supervisor even told me to wait for 3 weeks because the card was requested to send to my foreign address ( I am asking them to send the card to my XXXX address because I am studying abroad for this year ) Then on XX/XX/XXXX, a representative said she would issue a new card and should have received it in 7 days, after the time, I called them again, and another guy said no one had ever issued a new card for me. They just kept me wait again and again with even no updates. 

Later, on XX/XX/XXXX, someone canceled the previous two accounts and claimed to issue a new account, and again told me to wait for 10 business days. The card was sent on XX/XX/XXXX according to their statementI still received nothing till now. 

There are a couple of points I feel angry : 1. The last time I called them was on XX/XX/XXXX, they stated that because I am currently abroad, not in the U.S. they could not send me a card, but actually I requested on last XXXX and XXXX due to card stolen, they did send a card to me in 5 days. Why this time it would be such a problem? 

2. I called several times, no one has ever tried to help me with the issue. I understand they need to confirm with my identity with the phone number on file or other info. but I explained a lot that I am not in the states I could not use that number, so I always provided the account number which used to pay for the credit card to finish the confirmation process. Why this time they could not do like this? 

3. Nothing has ever sent to me like the tracking number and the card updates, they just keep me waiting for almost 2 months with no explanation. I don't want to hear '' I am sorry but there is nothing I can do with '' anymore, because it means Citi group does not have the ability to solve a problem, even not a big one. What's more, when I tried to calm down myself and not lose my temper, they always are impatient to me. 

4. For the last time when they issued a new card on XX/XX/XXXX, I got a mail from Citi on XX/XX/XXXX said my account had been approved and I would soon receive my card. So there is not possible to attribute their fault to the delivery company because the address is correct and I can receive mail from Citi. I am really tired of hearing excuses like this.
Product: Payday loan, title loan, personal loan, or advance loan

Attached you will find that I took a loan out with Opurtun and they harass me by calling over 40 times within a few weeks and over 4 times in one day. They call prior to my payment being due and call everyday going forward until a payment is made. They do not follow fdcpa guidelines. I do not even be close to 30 days past due to where they should be making any form of collection calls. It causes disruptions at work and its embarrassing and causes stress and XXXX  because my account is not past due. Even after asking them to take me off the call list they continued to harass me. I would like to be compensated for the harassing calls and I would also like to sue the company if they do not try to resolve the harassment. The violate the law because they call up to 4-6 calls a day and they shouldnt call more than 7 times per week when its a debt. ITS NOT A DEBT UNTIL OVER 30 days. Each month since XXXX they have violated and Im entitled to {$10000.00} in damages plus more. Including paying for my lawyer fees. I will have additional call records when litigation takes place if they do not resolve immediately. When I block the number they call from another number over and over and I cant take it any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have my name and address corrected on my credit report. My name is XXXX XXXX. 
XXXX XXXX my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

I have had several unauthorized charges to my account appear since XX/XX/2024. It started with a charge of {$1100.00} And another charge of {$90.00} both from XXXX. I never authorized these Fraudulent transactions nor do I have an account with XXXX. I suspect something is going on with my identity, I live on a property with several tenants and I live in the rear of the property. All mail and packages are received by the tenant renting the front of the house. For the several months I have had mail and packages go missing. Thats why If I ever make online purchases I always note to leave the items on the rear of the property. I have claims on these transactions with Bank of America, but they have not found me in favor of those claims. XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Corporation charges my card fraudulently and closed accounts without my consent, after several billing errors. Next, furnished false and inaccurate information to third parties. Corporation is negligent and non compliant.
Product: Debt collection

XXXX XXXX sent me a letter a couple weeks ago stating that they have either bought or are representing a company for debt collection purposes. I have yet to see proof that they are representing still but that's not my biggest issue. 

I sent them an electronic notice on XX/XX/XXXX to dispute and told them to ONLY keep communications to physical mail and email, that would make all other communication forms off limits. They then proceeded to attempt to call me on XX/XX/XXXX while I was working which I decided may have been a one and done breach of rights. However, they then decided to attempt calling me again while I was working today ( XX/XX/XXXX ) at which point I decided to file this formal complaint towards you, XXXX XXXX XXXX. My communication rights have been violated. 

I sent another dispute request in today ( XX/XX/XXXX ) as well which will hopefully be honored as it once again specifies which forms of communication are appropiate.
Product: Mortgage

I am currently in foreclosure. I was behind in payments and asked for a written document stating what I needed to get my loan current so I could pay it. After unanswered calls and emails they said they could not provide written documentation. Now I have attorney fees, and because I filed a complaint with MN XXXX they refuse to talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

They mishandled my information and according to their website I am a potential victim.
Product: Checking or savings account

I am the Executor of Estate of XXXX XXXX XXXX, my mother, who XXXX XXXX XXXX 
Until her XXXX, she had a savings account at Citizens Bank. The account placed an overdraft on her account, without telling her what it was for, charging interest for it, and illustrating it on her monthly statements as if it were a credit not a debit. As a result, when I closed the account today, the overdraft was debited from what the bank statement said her balance was. Had she known what was going on she never would have allowed such a balance to go unpaid for as long as it was. No attempt was made by anyone from the bank to advise her what this was costing her. 
XXXX XXXX was XXXX with XXXX XXXX XXXX XXXX and was unable to resolve with a customer service representative by phone. She was physically unable to come into the bank in person. 
I believe these monthly statements are deliberately confusing and incomprehensible and designed to take advantage of someone with the XXXX my mother had.
Product: Credit reporting or other personal consumer reports

I sent you a FTC report on XX/XX/XXXX about these fraudulent inquires and you refused to remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. ***I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTURE STALL STATICS FROM EXPERIAN . 

Once again here are the inquiries that WERE NOT AUTHORIZED : 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

CAINE & WEINER Collection Agency is deceptively and fraudulently using abusive reporting practices by reporting an already disputed AND deleted/removed account to my credit bureau again. Account # XXXX. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX This collection agency is using intimidation, fraud, abusive tactics, and harassment by repeatedly reporting an account that is false and has already been disputed and removed from XXXX. They have now reported to XXXX  to intimidate me and cause harm to my credit rating.