23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Product: Checking or savings account

XX/XX/2020 It shows my social security was used. 
XXXX  informed me about the incident occurring. 
I have had a chase account in months due to this FACT! That I have been a victim of identity theft and fraud & not only have I lost tremendously heavy amounts of money but also energy peace of mind & mental stability!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Product: Vehicle loan or lease

XX/XX/2016, {$25000.00} I went to the police and made a identity theft report,
Product: Checking or savings account

This is my third complaint against Citibank. I'm disputing {$1500.00} ATM withdrawal that was done on my son 's debit card after he lost his debit card. This transaction is fraudulent and we don't know who did it and we're disputing this transaction. Also the {$4700.00} wire fraud. 

Also I filed 2 previous CFPB complaints regarding this disputes. This bank is XXXX and prejudice. Their last response to complaint XXXX, " In addition, on XX/XX/XXXX, XXXX sent you a letter requesting an affidavit, statements, or an unauthorized use ( SUU ) form. If you have not done so already, please respond to the letter from our XXXX team and provide the documents requested as soon as possible ''. 

How did they send it as it's XX/XX/XXXX, I'm signed up for informed delivery by USPS and you'll see they never sent it it's a motive to make us pay for something we didn't do we are the victims. This bank should be investigated for XXXX discrimination and XXXX profiling. I'm going to attach my son 's picture and I want them to verify it was him that made the deposits of the fraudulent checks and withdrawing the {$1500.00} cash from the ATM.
Product: Debt collection

Certegy is reporting on my credit report that I have an outstanding balance in their office for {$1400.00}, from XXXX. I have now called their office several times to inquire about the debt they are reporting. They tell me that I do not have a debt in their office. Nevertheless, they are not taking the account off of my credit report, even though I have disputed it multiple times.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.
Product: Mortgage

On XX/XX/2019 our mortgage was transferred to XXXX XXXX to PHH Mortgage who merged with XXXX PHH informed us. For some reason PHH mortgage is charging my wife and I an additional {$150.00} each month for " hazard escrow '' and " other taxes. '' PHH mortgage told us that they provided their own insurance company for flood insurance for us without our consent. We have our own flood insurance we've been paying for on the building. Our building has insurance, as well as flood, we don't need insurance provided for us. I have provided supporting documents to the mortgage company several times. They told us an escrow analysis was completed and there is no additional flood insurance being billed to us by PHH mortgage. Today as of XX/XX/2019, we just paid this not needed flood insurance. We have overpaid for this 2 months in a row. Today at XXXX, I spoke to XXXX ( badge ID # XXXX ) from PHH mortgage. XXXX was not cooperative. XXXX said that we are not being billed for this, yet I still show I am being billed for it. I have all the evidence, and will submit the documents showing this. XXXX tried to tell me since we were a little behind in our mortgage, the account will NOT be brought up to the correct status until we pay the past amount payments including late charges. I was told 3 weeks ago that as long we continue to make our current monthly payments, the home is not in jeopardy of any kind of foreclosure. I also informed them that we will take care of this asap. I feel like they are trying to extort us. This is illegal practice. We didn't ask, or need flood insurance and need this removed immediately and need a check sent to us via XXXX for {$310.00}. This is the exact amount we overpaid. 
Warm Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report this company and Equifax is aware of this. This is aggravated identity theft. See attached document.
Product: Credit card or prepaid card

It has come to my attention that I have been making payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2.

You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6.

This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ).

Furthermore I have noticed that you have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). Goldman Sachs XXXX XXXX XXXX. has violated my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove these accounts ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

Capital One advertised that I can open a 360 Performance Account, which is a high yield savings account earning 1.5 % and will include a {$500.00} bonus. I have over {$100000.00} to invest. Their website encouraged the opening of the account on XX/XX/2020 but after I gave them all of my personal information, it first said it recognized me but then said it didn't. I called Capital One and was told that because I had an ING account many years ago, their computer has a bug that will not allow me to open the account. 

I emailed XXXX XXXX, CEO of Capital Bank to complain. I received a call yesterday from Executive Customer Care that yes, there is a computer problem and there is nothing they can do about it. I told them that you can't advertise something and then refuse to let it happen. I said the computer bug is not my problem so will I be reimbursed for the interest I lost when the bug is fixed. I was told no. 

Is this even legal? I asked them to override the computer problem and was told thet can't. Can you help me with this? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
Product: Bank account or service

My mother has XXXX and is XXXX years old making it difficult for her to get around when she is not hospitalized. A few years back we went to a branch and had my name added to her passbook savings account in case of situations like this. I had no reason to go since then, until now, but when I went, the bank had mixed someone else 's information with my name on the account and it would be difficult to straighten it out without my mother. In the interim we went and had power of attorney documents notarized for me. However when I went to the bank, they stated they still need to investigate since my information did not match and eventually when my mom was permitted to travel ( she is currently in a XXXX ) by the doctor, we went to the branch near the XXXX, there they suggested she come in while she was out. The lady there said she would simply delete the incorrect information on the account for me. When she did this she put my correct information in and the " XXXX '' they use for new accounts rejected me because of low score, but they still will not honor the power of attorney document. This is a legal document and allows me to represent my mother and I see no reason why they can not abide by this.
Product: Mortgage

Current mortgage servicer is obstructing refinance with other mortgage company in which loan has been approved. 

When government announced to close business due to the Covid-19 my husband was temporary laid off and we requested forbearance from current mortgage servicer which was granted at the time. We missed a couple of months and later in XX/XX/XXXX we started to make monthly payments in full and servicer accepted payments as usual. ( According to a representative from Shellpoint loan was out of forbearance around XXXX ) By XX/XX/XXXX I decided to refinance and and I contact a mortgage company which later in XXXX I was notified that my mortgage loan had been approved with the condition of a letter from mortgage services stating mortgage was out of forbearance. 

According to a representative from mortgage servicer my mortgage was out of forbearance but I never received a letter. I requested such letter several times in different ways ( over the phone, fax, email ) but letter never arrived and every time I called I was told a different story. 

During the time of my refinance I needed to be current with my payments. However, after payoff was received and wanted to pay my mortgage payment it was rejected and I had to sent certified mail because Please note that Mortgage servicer is obstructing my refinance and I already lose an opportunity to obtain a better rate. Now the rete I was offered by the mortgage in which I apply for refinance expired and the only two options I have is to accept a higher interest rate or extend rate which both options are very costly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows on my motor report history as if my license is suspended because of XXXX use ... when in fact that's only my cdl permit that was suspended not my regular drivers license and that's only because I refused to take a test. That has nothing to do with my regular drivers license and nothing to do with my driving history as it had nothing to do with me driving and it's affecting me being on uber.
Product: Debt collection

I contacted the collection agency I was referred to by the original creditor to ask them why they are not reporting the payments that Im making to them on behalf of the creditor. I was informed that although the creditor closed my account, it was only closed to the point of no longer being able to purchase any more equipment from them, but it was still open for them to report late payments to the credit bureaus, although I've been making payments since XXXX to the collection agency. They stated that since the account was still open, they were not able to report my payments to the credit bureaus, and that the creditor stated that they will continue to report late repayments until I have paid the full amount, or the settlement in full. I informed the representative that I would like to stop making payments until I heard back from the CFPB regarding my complaint against the creditor. The representative informed me that if I stopped making payments to them, the creditor would be taking me to court for the balance due. I believe that they is illegal with malice on both parties, but that the original creditor is intentionally damaging my credit and harming my life.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am requesting the immediate removal of all unauthorized inquiries and accounts related to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my consumer report.
Product: Credit reporting or other personal consumer reports

I have attempted to contact the U.S. Department of Education in regard to inaccurate information furnished on my credit report, via written communication at the address ( s ) listed on my credit report. I verified the address to see if it was congruent with information provided on their website and it was. My letters were returned as undeliverable. I disputed the information with the credit bureaus, and they responded with the information was verified and is accurate. However, the credit bureaus changed the address ( s ) furnished on my report as an address listed in XXXXXXXX XXXX At the time of this complaint, three of the credit reporting agencies are reporting something totally different. XXXX is reporting both of my student loan accounts as in collections as of XX/XX/XXXX and an address for the US Department of Education in XXXX XXXX XXXX with no actual mailing address. XXXX is reporting both of my accounts in collections as of XX/XX/XXXX and an address of XXXX XXXX XXXX XXXX XXXX XXXX. When I sent written communication to this address, I received no response. XXXX has the information incorrect also. My account was paid in full and is not in collections. However, this information is hindering my ability to move forward with my personal and commercial endeavors. I need someone to look into this matter as expedient as time will allow. Thank in advance>
Product: Credit card or prepaid card

I had XXXX balance transfers on my Citi credit card. One was at 3.99 % for the life of the loan, and one was 0.99 % until XXXX XXXX, after which it turned to a 19.49 % interest rate. Soon after XXXX XXXX, I sent money to pay off almost all the previous 0.99 % interest rate loan, now 19.49 % interest rate. Citi used the money to pay of the 3.99 % interest rate ( for the life of the loan ), and paid the extra toward the 19.49 % interest rate ( and, starting the XXXX statement, the interest rate moved to 19.74 % ). I called XXXX  times about this. XXXX times they told me it would be corrected, but I then receive a note saying that the payments were applied correctly, although in the note they stated " Please note that payment amount greater than the minimum due are applied to balances with higher APRs before balances with lower APRs. '' This is, of course, exactly what they did NOT do. I called, and they told me that they would not be correcting the situation. As far as I know, they are legally required to pay off the higher interest rate loan with anything over the minimum payment, but they did not. The fact that they lied to me on XXXX different occasions saying that they would correct the problem, but not doing so, and then denying that they were acting inappropriately, is appalling. They need to correct the problem, and refund the overpayments they've taken using the inaccurate interest rate. 
When I call, the person always states that the 3.99 % interest rate loan ended in XXXX XXXX, but it was for the life of the loan ; it " ended '' in XXXX XXXX because Citi paid it off. Looking at the information abou the loan, it says " Balance Transfer Rate Until Paid in Full. '' But this loan should NOT have been paid in full, and it was only because Citi inappropriately paid it that it ended in XXXX XXXX. 
I've attached screenshots of my XXXX, XXXX and XXXX statements from Citi. 
In XXXX 's statement ( issued on XXXX XXXX ), I was charged at the 3.99 % for {$4000.00}, and at the 0.99 % rate for {$7500.00}. That was fine. 
The 0.99 % interest rate ENDED on XXXX XXXX, clearly stated on my bill, and converted to 19.49 % ( as will be seen on my XXXX statement ). 
On XXXX XXXX, AFTER the 0.99 % interest rate converted to 19.49 %, I paid {$7500.00} and on XXXX XXXX, I paid {$50.00}. This should have paid off almost all of the now 19.49 % loan. However : In XXXX 's statement ( issued on XXXX XXXX ), the 3.99 % interest rate was applied to {$730.00}, and the 19.49 % rate was applied to {$4600.00}, indicating that Citi used the money I paid toward the LOWER interest rate loan. 
In XXXX 's statement ( issued on XXXX XXXX ), the 3.99 % interest rate loan was at {$0.00}, and {$4000.00} was now being charged at a 19.74 % interest rate. Since then, nothing has changed.
Product: Mortgage

I started a mortgage refinancing process on XX/XX/2021 with : Credible Operations , Inc., NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I understood later that they represent XXXX XXXX XXXX. 

Since the day I started moving forward the process has been terrible. Very frustrating to say the least. Not only that they requested me to send numerous documents but some of them requested twice and some of them just with no justification or already in their hands - best example is asking me for my DOB when they have my driving license copy in their hands. It often felt like someone deliberately trying to fail the application.

On top of that I received at least 3 or 4 different loan agreements to sign. Each one had different numbers on it from the others : closing cost went up as well as cash out total changed every time. Looks so unprofessional to say the least. 
Responsiveness of the company is indescribable. Never calling back on time, lack of knowledge, never giving me answers, never updating me on time so I know what is going on. 
My suspicion was that because I locked on a low rate of 2.25 % for 15 years fixed they felt uncomfortable with it as rate went higher. It seems like someone is trying to delay my process as much as possible so eventually they can come back and say it didn't work so they can update the interest rates higher. Till this day my loan is still not closed despite numerous phone call emails requests for someone to please let me know what is going on. I seek help on this from you as much as possible. 

Thank you
Product: Debt collection

I received a letter from XXXX XXXX XXXX from XXXX Washington stating that I have been placed with their office for collection in attempt to collect a debt to PayPal. Which I do not have any debt owed to PayPal. I know that for a fact. And can prove it.
Product: Debt collection

Certified letter requesting validation was sent to XXXX XXXX. 
C/o Resurgent Capital Services XXXX XXXX  XXXX XXXX, SC XXXX This is the collection agency for XXXX XXXX XXXX XXXX XXXX. 
I have not received anything in response. Also after looking on the State of Texas website, XXXX, Resurgent Capital Services or XXXX XXXXXXXX XXXX  are not listed as bonded in my state to collect debt. 
I am asking for this account to be removed from credit report with all 3 bureaus.
Product: Credit reporting or other personal consumer reports

UPON ME VIEWING MY CHEXSYSTEMS REPORT I NOTICE AN ACCOUNT WITH A SOCIAL SECURITY NUMBER THATS NOT MINE
Product: Credit reporting or other personal consumer reports

Accounts I dont recognize are listed on my credit report, likely due to fraud. Please proceed with blocking and removing these entries.
Product: Credit card or prepaid card

Twice in recent years XXXX XXXX XXXX, the issuer of my card, has paid fraudulent charges in spite of my objecting to the fraudulent charges. In the first case, I was able to recover the funds paid by XXXX over my objections with the help of the Consumer Fraud Division of the Minnesota Attorney General 's Office. In the second case, I filed a claim in Conciliation Court to recover the funds paid by XXXX over my objections and the recipient of the funds settled by paying me the full amount claimed.