23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been in the process of trying to do a deed in lieu with CitiMortgage officially since XX/XX/XXXX when I vacated the my home. I have had several different negotiators and they are have just been stone walling me. I have a second mortgage which I had to get approval from them to accept the settlement offer that Citimortgage as offering to them. XXXX XXXX finally accepted their offer but now My negotiator keeps stating that she is not receiving the documents that have been sent over to them. I had to get an extension from XXXX XXXX because of CitiMortgage. We obtained the extension which was until XX/XX/XXXX because Citi needed a 30 day time span. XXXX XXXX sent them the extension on XX/XX/XXXX and I sent it to them on or around XX/XX/XXXX. <P/>My Citi negotiator does not respond to any of my questions and now I am again receiving a request for the extension along with the XXXX forms all of these items have been sent to Citi on 3 or 4 occasions. <P/>I emailed a compliant recently to Citimortgage and am waiting on a response. However I emailed a complaint to Citimortgage in XX/XX/XXXXand the only thing that happened was I received a letter from XXXX XXXX in response actually trying to blame me for the reason it is taking so long for my deed of lieu to complete. <P/>I need help with Citimortgage. My negotiator does not read my emails and I want this issue to come to a conclusion. The longer it take my negotiator to do her job the worse my credit gets. unfortunately I lost my job and was unable to keep up with the payments on my mortgage. Citimortgage was suppose to help me and make this issue go smoothly. Their own paperwork stated that the process should take only 2 months. I lost my job on XX/XX/XXXX. In XX/XX/XXXX I advise Citimortgage that I would not be able to make payments, I put my home on the market and because of where we lived I was unable to sell my home. <P/>I know that Citimortgage does not care if this process goes through or not but there is a system set up for them to help me to complete this deed in lieu and they are to doing their jobs. <P/>Citimortgage has turned this process into an absolute nightmare and I need help from someone that can make them do their job so that I can begin my life over again. Any help you can give me will be greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Equifax reporting incorrect and misleading information on my credit report with XXXX XXXX XXXX Complaint # XXXX Equifax are reporting that I was late 120 days in XX/XX/XXXX. But from XX/XX/XXXX to XX/XX/XXXX I was current. This doesn't make any sense. I wrote to them many times and Equifax refused to correct the incorrect and misleading reporting on my credit report. 

Complaint # XXXX XXXX and XX/XX/XXXX I was current. In XX/XX/XXXX Equifax report 30 days late. How can I be 30 days late in XXXX but current in XX/XX/XXXX and XX/XX/XXXX?. 
Equifax also reporting that I was late 60 days in XX/XX/XXXX and 90 days in XXXX. 

This complaint is about XXXX XXXX and how Equifax are reporting incorrect and misleading reporting on my credit report. 

Complaint # XXXX XX/XX/XXXX Equifax reported that I was 120 days late. How can I be late 120 days in the first month of the year? 

Complaint # XXXX XX/XX/XXXX to XX/XX/XXXX I was current on my payment. XXXX XXXX 30 days late, XXXX XXXX  30 days late, XXXX XXXX 60 days late and XXXX XXXX 90 days late. These late payments are not correct. 

Complaint # XXXX From XX/XX/XXXX to XX/XX/XXXX I was current. In XX/XX/XXXX reported 120 days late. This is incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending out disputes since XX/XX/2023 and they won't open none of my disputes. Sent one for XX/XX/2023 and XX/XX/2023 and no investigation is started yet.
Product: Checking or savings account

All withdrawals from my checking account have been locked and when I reach out to customer service I am left on indefinite hold. I have screen shots of the hold times as well. I am assuming this is linked to outstanding complaint I have with PNC ( XXXX ) which was filed XX/XX/2024 and has still not been responded too.
Product: Credit reporting or other personal consumer reports

This account is reporting in inaccurate on my credit profile. 
XXXX XXXX  account # XXXX Can you please remove it immediately thank you
Product: Credit card

Hello, I had a Credit card with OLLO which merged with ALLY. I paid my bill the same as always and they lost my payment. Customer service told me it was my fault and I must not have made the payment on time. They charge me interest and a late fee, I speak with supervisor and told them the payment was made. They say nothing they can do. Then my payment ends up showing up so I call and ask what happened and they say the payment was made on time so they reverse the interest and late fees. At this point I tell the supervisor on a 3rd time having to call and sit on hold that I want to close my account. They lost my payment blamed it on me and then charged me a late fee. There never was an apology or anyone admitting they screwed up so I was fed up and closed the account. I still had {$210.00} in my rewards. I spoke with customer service in early XXXX and let them know i would pay the balance except for {$210.00} that the rewards I earned would cover. The person I spoke to said it would be applied to the balance on the next billing cycle ( XX/XX/XXXX ) that came and they never applied my rewards so I called again end of XXXX and spoke with supervisor XXXX who said she would open a ticket and they would call me and the rewards would be applied by XXXX. That date came and the rewards still were not applied so I called again yesterday and spoke with supervisor XXXX ( XXXX ) who told me the same thing and that she does not have the authority to apply my rewards to my balance. I asked for a manager and was told none were available. I'm filing this complaint because ALLY CC does not want to give me the rewards I have earned and now they are telling me the balance is due XX/XX/XXXX but I have that balance in my account in rewards which they are refusing to apply to my account because I closed it. All I want is the rewards I earned applied to my balance or a check for the rewards mailed to me, can you please help me with this matter because ALLY CC is refusing to connect me with anyone that has any authority or knowledge to get me my rewards. Thanks
Product: Credit reporting or other personal consumer reports

Im not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide with the original contract as requested.
Product: Money transfer, virtual currency, or money service

I own a media company. On XX/XX/2022, I hosted a XXXX XXXX XXXX in XXXX XXXX XXXX that was sponsored by XXXX XXXX for {$11000.00}. As part of XXXX 's vendor intake process, I was required to fill out a form with my bank information ( See " XXXX XXXX '' in the attached pdf ). I accidentally provided the incorrect account number for my account at Chase Bank ( 2 digits being switched ). XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX sent wire payment instructions to Chase using the incorrect account number and the money was placed in the wrong person 's account. 

I provided the correct number and asked the client to issue a wire recall. XXXX  XXXX XXXX did request the recall however, Chase has refused to return the funds to XXXX  XXXX XXXX. Chase 's reply was that they are " waiting for Debit Authorization '' from the account holder in order to return the funds. The issue is that given the account number and beneficiary name did not match, the wire should have never been processed by Chase. Chase is simply trying to avoid liability for their own control/process failure. 

I've been attempting to obtain the funds for over 1 year now to no avail. Chase executive office has been avoiding my phone calls and inquiries. I have been given the run around for more than 1 year. 

Chase then contacted me stating that once the bank received a " Hold harmless letter '' from the client bank ( XXXX  ), the funds would be returned. After another month of chasing Chase for a response, the bank stated that the funds would not be returned because " there are no funds available. '' The solution I am seeking is for Chase to return the {$11000.00} back to the client bank ( XXXX  XXXX XXXX ) so that they can correctly wire the funds to my account. 

I have also attached a pdf that includes all of the evidence related to this case. I am not only prepared to get local NY media involved, I am prepared to notify my network of over XXXX social media followers and pursue legal action.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my transunion, experian, and equifax credit report. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX Balance XXXX {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rig
hts as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit reporting or other personal consumer reports

I have called each fraud inquiry and they have stated that my information is not in the system. They stated that they have no record of my name DOB, SSN or signature of authorization on file so stated by the Fair Credit Act any unauthorized and fraudulent inquiry must be removed immediately.

Please Remove Hard Inquiries listed Name of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/2022 Name of Inquiry : XXXX XXXX Date of Inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX SENT ME A LETTER STATING THEY ARE REFUSING TO CORRECT MY CREDIT REPORT. 


They are illegally abusing my credit file by placing fraudulent investigations, dispute codes and consumer dispute statements on my account. I have asked them repeatedly to stop doing this and they continue doing it. This must be stopped because they are making it difficult to obtain a mortgage and they know this but keep doing it. 

Here are the ones that they keep doing this to and I want them to stop. 

1. XXXX XXXX acccount XXXX XXXX partial ) They keep putting dispute codes on this account and statements that say " Consumer disputes- Reinvestigation in process '' 2.  XXXX  XXXX account XXXX XXXX partial ) They keep putting statements that say " Consumer disputes, reinvestigation in process, consumer disputes after resolution 3. XXXX XXXX Account number XXXX XXXX partial ) They keep putting a dispute code on it saying " Consumer disputes, reinvestigation in process '' 4. XXXX account XXXX XXXX partial ) They keep putting consumer disputes, reinvestigation in process along with dispute status codes I just called their FOREIGN call center and they rep was really rude and said he would not remove their false information. What kind of company has the right to do this to an individual? I am sick and tired of these bullies doing this. They are holding my file hostage and are refusing to help me. How much more transparent do I need to be with the CFPB before you guys step in and do your job?
Product: Payday loan, title loan, or personal loan

I took out an {$800.00} title loan in XXXX of 2016. The interest rate was not disclosed in the original paperwork. I made payments for about a year, I went to pay off the loan and they wanted {$2500.00} to pay it off. I was shocked at the amount, so I did not pay it off and I stopped making payments. I just received a summons in the mail from this corporation demanding {$4200.00}. I misplaced my original paperwork, so I went down to the title company and they printed out a forged document. On this document, it stated that my original loan amount was {$1900.00} and the interest rate I was given was an annual percentage rate of 180.00 %. I requested the " original '' paperwork, they refused and the girl at the counter told me that this was the only paperwork she was allowed to give me. Obviously, this is fraud in addition to higher than legal interest fees. I am not sure what I can do, I have an appointment with an attorney to discuss my options, but I would like this company to be investigated. The company is Cash Time Title Loans, inc. XXXX XXXX XXXX XXXX. XXXX, AZ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT THE INVESTIGATION LETTER ON XX/XX/2022 INACCURATE AMOUNT. ACCOUNT NUMBERS XXXX XXXX  AC # XXXX AC # XXXX XXXX AND XXXX # XXXX EQUIFAX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I WAS NOT NOTIFIED OF IT IN THE FIVE DAYS. VIOLATION ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to check the results of a dispute investigation and when I downloaded the report, it was someone else 's. Their SSN, DOB, and address were all included in it. I called Experian to alert them that I had seen this info and all they told me was to disregard it and did not collect the consumer 's info to inform them that their info had been shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY REPORTED INFORMATION TO MY CREDIT REPORT THAT SHOULDNT BE THERE
Product: Credit reporting or other personal consumer reports

I reached out to XXXX several times with hard inquires that were done by someone that stole my identity and I provided them with the FTC report and they are still refusing to remove the hard inquires. I have attached the FTC Report and listed all hard inquires below. 

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
Product: Vehicle loan or lease

I had a car loan with Santander when I was a single mom to XXXX kids and struggling to provide for them. I was given a car loan with insanely high and predatory interest rates, and ended up defaulting. There is now a class action lawsuit regarding this and part of the suit is that any derogatory remarks in my credit report be removed. It is showing as delinquent with a charge off amount, which should be corrected per the lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached. Experian has received all attached documents by mail as of XX/XX/2022 according to XXXX. They have failed to follow legal obligations to block and delete fraudulent transactions on my consumer report. XXXX XXXX has admitted that they have no knowledge of any transactions made by me, however Experian is still reporting false inaccurate information about me on my consumer report. 

Let the record show.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Unbeknownst to me until XX/XX/XXXX, in XX/XX/XXXX a XXXX XXXX account was fraudulently opened in my name. This was the same month I moved. 
In XX/XX/XXXX I received a notice from XXXX collection agency. I also saw this debt on my credit report and filed a fraud alert. I called XXXX and spoke to XXXX, advising them this was fraud. XXXX advised I needed to contact XXXX directly. I called XXXX and spoke to XXXX who advised the account was closed on their end, that they would note this as fraud, but that XXXX could not assist any further since this account went to collections/Sequium. 
I followed up with XXXX periodically via phone and email for a status, last being XX/XX/XXXX, continually being advised there were no new updates. 
In XX/XX/XXXX I received a new collections notice from XXXX. On XX/XX/XXXX I sent them a detailed letter advising this is fraud and I asked for proof of debt I still have yet to receive. I received no response. I also filed a dispute with XXXX around that time which did not result in the debt being removed. 
I sent another letter on XX/XX/XXXX, XXXX requested to XXXX XXXX XXXX and regular mail to their po box listed on my credit report. I again advised that this is fraud and requested specific proof that I opened this account. To date I have not received a response. Instead, on XX/XX/XXXX, I received a new collection agency notice from Credit Control Collections for {$6000.00}. I responded to Credit Control on XX/XX/XXXX via email, with attachments, requesting specific copies of proof of debt and have received no response to date. 
XXXX is also non-responsive. To date, XXXX nor any XXXX of the XXXX collection agencies have provided me with the required proof that shows I opened this account and am responsible for this debt. All I have received to date were copies of unpaid bills from XXXX, sent to me in XX/XX/XXXX. 
I filed a second dispute with XXXX on XX/XX/XXXX and included the XX/XX/XXXX letter to XXXX with proof of receipt, advising they have been non-responsive. It was investigated and denied again today, XX/XX/XXXX. 
I am filing this complaint because I have exhausted all remedies. I need assistance, resolution, getting this fraudulent debt removed from my credit reports. 
Thank you.