23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX transunion and XXXX are illegally and unethically collecting my personal data including my name my addresses my telephone numbers my locations my credit reports DRIVERS LICENSE INFORMATION and selling that information to whomever wants it. MY CREDIT REPORT IS FROZEN AND MY INFORMATION SHOULD NOT BE USED OR SOLD TO ANY PERSON PLACE OR BUSINESS AT ANY TIME. DO NOT SELL TRANSFER OR MARKET ANY INFORMATION ABOUT ME TO ANY DATA BROKER OR ANY PERSON PLACE ENTITY COMPANY AGENCY OR ANYONE PERIOD!! DO NOT SELL TRANSFER OR ALLOW TO ACCESS MY NAME AND MY ADDRESS AND MY TELEPHONE NUMBER!! YOU ARE ENDANGERING ME AND MY FAMILY AND MY PRIVACY BY DOING SO. THE ONLY WANT THAT DATA BROKERS HAVE THIS INFORMATION ON ME IS IF THE THREE CREDIT BUREAUS SOLD IT AND ALLOWED DATA BROKERS AND COMPANIES AND INDIVIDUALS TO ACCESS MY PRIOR ADDRESSES AND PHONE NUMBERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX )
Product: Checking or savings account

CITI initially invited me to open a checking account with XXXX dollar incentive, and once I transfer my funds in ( XXXX dollars ), they close my account without giving any justification. And now, the account has already been closed for over 40 days and I still have received a check with the remaining balance of the account ( XXXX ). I have contacted their customer agency every 3 days for the past 4-5 weeks and no clear update has ever been provided. Upon review of complaints against CITI, I find many people have been in a similar situation. 

I sincerely implore CITI to address this issue before we further escalate the situation.
Product: Mortgage

On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution On XXXX/XXXX/16 I sent a check to my mortgage co. in the amount of XXXX once they got it they changed it into an electronic check and then submitted it to my bank for the amount of XXXX my check was clearly written out on the second line ... XXXX XXXX XXXX dollars and XXXX once this check reached my account I was charged O.D. fees and return check fees which the mortgage co. said they would return to my bank only if my bank sent them a statement promising they would cash them a check for XXXX I'am sure there is a law against check fraud and this is a scam if I ever saw one I'am tired of being walked on and companies getting away with it just because I'am a nobody, well not this time I almost ended up in the hospital over this and I want restitution, whatever damages I can sue for I want to fight to get also I refuse to make another mortgage payment until this matter is dealt with I can not afford to have them do the same fraudulent act I will be sure to put the payments in my own care until this matter is done then and only then will they get whats owed I also refuse to pay them late fees on future payments I do not have the money to keep paying for their fraud, please help me get restitution. Any proof you need I have up to and including my carbon copy of the check that I wrote them I have been making the same payment for 10 years plus no excuse for this fraud.
Product: Mortgage

I submitted for a loan modification with Ditech toward the end of XX/XX/XXXX. They sent a letter to my attorney ( because I had filed for bankruptcy XX/XX/XXXX ) dated XX/XX/XXXX. I assume this letter did n't get to my attorney until a few weeks later as I did n't sign and send back info untilXX/XX/XXXX ( they were asking for paystubs and a XXXX ). I called in a few weeks after that and they stated I filled out the XXXX incorrectly. I sent back but updated XXXX on XX/XX/XXXX. My bankruptcy XXXX XX/XX/XXXX. Nothing was rcvd until XX/XX/XXXX by my attorney. It was a letter dated XX/XX/XXXX that stated they would modify but they actually increased my payment not lower it and said payment was due XX/XX/XXXX! So from XX/XX/XXXX until XX/XX/XXXX no correspondence. I have received nothing from them in the mail since the XX/XX/XXXX correspondence. According to RESPA Ditech has violated the law : 1. " a creditor must provide workout options within 45 days of a missed payment '' 2. " a creditor must notify a borrower 30 days after submission of a complete loan workout application if there 's an option to save the home '' Both of these parts of RESPA were violated.
Product: Debt collection

Balance of {$6000.00} I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Debt collection

This is a phone bill me and my sister shared. 
My sister stop making her portions of the payments and I could no longer continue with the installments by myself. I notified XXXX  of this and sent both phones back as per their request. This {$1300.00} was reported to my credit report 7 YEARS AGO. Ive called numerous times to ask and to be given proof on how and why my balance is {$1300.00} and I didnt have an answer then and still dont have an answer now. That amount is not correct. Im a new single mother and the sole provider of child. I can not afford to pay {$1300.00} out of my pocket. This debt is from XXXX. It was taken off recently than all of a sudden a different collection agency picked it up and reported it to my credit report again. By law if something is XXXX XXXX XXXX it must be taken off your report which is why it was taken off recently. This Jefferson collection agency has been calling and sending me mail about a {$1300.00} debt that I still have no clue on why its {$1300.00}. XXXX cant even give me an answer because they cant pull up the account from it being too old. I need help with this. This is affecting me.
Product: Debt collection

On XX/XX/2018, a letter was sent to Diversified Consultants via certified mail asking for validation of a debt they are reporting on my credit report. It has been over the 30 day request for this information and they have yet to respond. I am requesting that this negative information be deleted from my credit report as they have failed to provide this information and it is harming my score.
Product: Credit card or prepaid card

{$440.00} in various amounts were fraudulently purchased by someone who managed to get a hold of either my card number or my old discarded/destroyed card and somehow was able to use it. I disputed the charge on XXXX XXXX. Barclaycard apparently did an 'investigation ' where they determined I was the one who performed those fraudulent transactions, including a purchase a motel at which I have never stepped foot and several suspicious large purchases at convenience stores.
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A side note, I received a call from Barclaycard investigators which seemed highly suspect and unprofessional, and I was concerned enough to do research into the phone number to see if it was even legitimate which it apparently was ( the person on the phone calling me did not know specifics about the case ). I proceeded to close the account upon receiving this verdict.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted Equifax about the following inquiries ; XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

I filed my original complaint in XX/XX/XXXX. The complaint was a 2 part, and within that 2 part complaint, 1 was resolved. The other Fifth Third states they resolved, but I do not agree with the final resolution. 
I applied online XX/XX/XXXX for a hardship program that would allow me to lower my monthly payment and interest rate. This resulted in being approved for a XXXX XXXX monthly payment. For my last complaint I was advised that when I entered the hardship assistance program my account was past due {$40.00}, which identified as a LATE FEE. Nowhere during my application process was I told I had a late fee. However, when I called later after I identified that Fifth Third reported me delinquent for XXXX, XXXX, XXXX and XXXX, that if I had applied through customer service, they would have told me by phone that I had a late fee, but that option is not given through the online application process. 
According to my previous complaint, Fifth Third states there was a payment offer screen displayed during the application process. I do not recall this payment screen ( as I would have made the {$40.00} late payment ) and Fifth Third can not provide me a copy of the disclosure/agreement that I agreed to online. I have and in my previous complaint, stated that I have asked Fifth Third, now 10 times for a copy of this agreement, and still have yet to be given a copy. It is their word against mine. I have even tried to go back in to apply for another hardship program, but the website states " To discuss your account, please call us at XXXX to talk about your financial situation and explore options. '' Meaning- I can not show that there was or was not a payment screen that populated during the application process. To me, with my original complaint caused the online application to be looked at and it was fixed. 
I have been a XXXX holder with Fifth Third since XXXX when I was an XXXX, and in the past, haven't had any issues with reporting ( minus one issue in XXXX? ). I have always paid my balance due, and even included late fees when assessed. I wouldn't let this go delinquent knowing if I had a late fee to pay. 
I believe that the online application process was falsely advertised and caused me financial harm in the process. 
I want to be given a copy of the agreement that I applied for online. I am required to be given one if I ask. I have not received any agreement to this application/program and even was not given a copy at the time of application. 
When I spoke with the last individual who handled my complaint, she said she couldn't give me a copy, but it was an image given to her of the " pop up screen. '' I was given a copy of " Important Information Regarding Your Account Payment '' and within this document, it does NOT state anything regarding " If your account is past due, hardship assistance will not change that. '' I dispute this whole thing.
Product: Mortgage

Pennymac Mortgage was overcharging me on my monthly payment and collecting more in escrow than was required for the principal, interest, taxes and insurance and their escrow reserve in XXXX and XXXX and now XXXX. An escrow amortization analysis was performed on XX/XX/XXXX by Pennymac and Pennymac admitted they messed up and refunded {$3500.00} but never sent me the check, it shows a debit to the account total dropping it from {$9500.00} to {$6000.00}. On XX/XX/XXXX payment activity shows Pennymac then charged back the XXXX escrow refund they owed me back as a debit and then refunded it again, going from a balance of {$3700.00} to an increase with their debit of my {$3500.00} refund they owed me as a plus or positive to my escrow account increasing the balance to {$7200.00}. On the same day on XX/XX/XXXX Pennymac does another refund in my account for the {$3500.00} overage they owe me reducing the escrow balance from {$7200.00} to now {$3700.00}. I have never received any of these refunds from Pennymac they owe me. I have updated my XXXX disbursement account, but did ask them to mail me a check. They have refused. This is civil theft by Pennymac for over three years now. If CFPB does not assist me my next call will be to filing a police report for civil theft against Pennymac and I am entitled to interest on the money that Pennymac has wrongfully withheld from me since loan inception for overcollecting more escrows and fraudulently accounting for it. Additionally, Pennymac is refusing to remove and waive escrows even though I meet all requirements to waive escrows to be able to pay taxes and insurance on my own, presumably because Pennymac wants control over my escrow account to be able to continue to steal and siphon money from my account. I demand in investigation into their business practices because this in unfair and deceptive trade practices, fraud and civil theft from a VA borrower on their part.
Product: Debt collection

XX/XX/2023 I certified sent email to the company, California business Bureau address, XXXX XXXX XXXX, XXXX via California stealing that the account was not mine receive a mail back. The stadium at the account was mine and the amounts was lowered but I looked on my credit report. All dates were in correct I asked the company because they told me it was verified to send a copy of my signature and the date that the account was open they could not provide me with that information
Product: Debt collection

Received a letter in the mail from Allied International Credit Corp. , ( US ) on behalf of XXXX stating I owed {$170.00}, and that it needed to be paid. The letter is dated XX/XX/18, {$170.00} is the said debt owed.
Product: Debt collection

The line of credit account on my XXXX XXXX XXXX XXXX account is not accurate. XXXX XXXX XXXXXXXX - XX/XX/2023, {$14000.00} XXXX, XXXX XXXX XXXX - XX/XX/2023, {$14000.00} XXXX, XXXX XXXX XXXX - XX/XX/2023, {$14000.00} XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, and I am writing this statement on my behalf of myself. I have recently discovered that I am a victim of identity theft, and my information was used without my consent. I was a victim of identity theft and seemed to be targeted again. The following accounts/inquiries have been added to my report without my knowledge or consent, and I am requesting for them to be removed immediately : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and the credit bureas are deliberately reporting inaccurate information to damage my credit profile. I was never 60 days late on any payment as indicated by XXXX. You can not report of XXXX late without a XXXX late payment reflected. This is inconsistency in credit reporting, and deliberate act to sabotage my credit profile Also, XXXX XXXX XXXX has falsely claimed a XXXX late payment for the month of XXXX. Please see attached screenshot showing proof that the payment was paid before the 30 day mark. 

XXXX is reporting 3 consecutive months of late payments, which again is inaccurate, and goes against the fair credit reporting act.
Product: Debt collection

On XXXX XXXX I filed complaint against Caine & Weiner collection agency of XXXX XXXX XXXX XXXX. The Caine & Weiner company response that they couldn't locate an account noted in my complaint.

See enclosed negative data my XXXX report posted by Caine & Weiner collection agency. 

XXXX XXXX XXXX failed to cancel my auto insurance within a timely request called in on early XXXX. The policy was set up to renew in XX/XX/2021. I request XXXX XXXX  to cancel the policy ahead of time. Did I have to speak to more than one person, a supervisor, some other associate? I don't understand. The agent I spoke to in XXXX impressed me that she understood that I was no longer interested being insured by XXXX XXXX for unsatisfactory reason ( s ), clearly stating I want the insurance policy canceled immediately. I manage to get a much better insurance policy at lower premium and extended coverage. I dropped XXXX XXXX  policy/coverage weeks before the renewal date. There should be a XXXX  balance. 

One would think that such a Huge company like XXXX XXXX XXXX whose worth millions of dollars would sabotage the financial status of the small guy who simply trying to stretch his dollars and save a little.
Product: Payday loan, title loan, or personal loan

I have a personal loan with Citibank and this is the third complaint about the bank not crediting my payments. They failed credit my payments for the month of XXXX. I paid {$220.00} on XX/XX/2022 and {$220.00} on XX/XX/2022. Payment for this month is due on XX/XX/2022 in the amount of {$430.00}. My payments should satisfies this month however, they are saying Im pass due for {$210.00}. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM HAVING PROBLEMS WITH UNKNOWN numbers and inaccurate information on my credit report please delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I need the following accounts deleted from my credit report they are not accurate : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX/XXXX XXXX # XXXX I have never owned a XXXX XXXX account in my life it has to be one of the worst credits on the market and I would never apply for a XXXX XXXX CARD! ALL MY LOANS ARE IN GOOD STANDING. PLEASE DELETE ALL XXXX ACCOUNTS MY LOANS ARE WITH XXXX XXXX NEVER XXXX/ XXXX.
Product: Checking or savings account

My account got closed on XX/XX/2024 and I was supposed to get a closure check of {$5300.00} I only got one check from them and it was {$20.00}. Every-time I ask for my closure check they say one thing. That it coming but it been months now. I have documents that goes way back to when my account got closed and they keep saying they sending me the check but never does.
Product: Debt collection

I have received several notifications from ERC regarding an XXXX XXXX XXXX XXXX account I never obtained with the company. Each time I received a letter from them I sent them a letter asking them to validate not verify that this account, in fact, belongs to me. All they send is a copy of one bill with no signature, no contract, no validation that this is my debt. In the letters I sent to them I have sent them this statement that shows that they ca n't just supply a bill and say that it is mine. Anyone can send a bill but can they validate it? As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. I have mailed them the last letter dated for X/XX/2017 requesting this information once again. If they fail to produce the contract with my signature then I will take the next steps as they are in non-compliance with federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Experian to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the account with XXXX inaccurately on my credit report. I disputed the account and requested a investigation be completed since XXXX of 2020 and sent letter after letter asking for an investigation since this account is reporting inaccurately. I never received a response or an update on the investigation. I sent another letter warning I would file a complaint and the comments was updated to show " reinvestigation in progress '' when I never received any information from the first investigation. It also has been 60 days since the comment was added and I still haven't received any information on the account. I even sent a validation letter to XXXX and never received a response.