23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with Sun West Mortgage Company, Inc, ( SWMC ). I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to have SWMC return unauthorized transactions of {$1000.00} to my escrow account. I sent a request to SWMC on XX/XX/XXXX and have not received a response. 

Upon acquiring my property, SWMC sought an XXXX insurance policy on my behalf in order to close my loan. At closing, every document reviewed by me either contained my signature or initials. My closing disclosure document reflected the premium for my XXXX insurance policy, which I funded during closing. However, after my mortgage closed, SWMC obtained and paid for additional insurance without my knowledge or approval. As a result, SWMC caused me to have an escrow shortage and my mortgage payments went from {$720.00} to {$820.00}. The first payment at the increased mortgage amount was effective XX/XX/XXXX. I have informed SWMC that this higher payment will not be sustainable for me but SWMC have not helped. 

Since XX/XX/XXXX, when I discovered the unauthorized transactions, which took place in XX/XX/XXXX, I have been seeking answers from both SWMC and the insurance broker, XXXX & XXXX as to what occurred. I got nowhere with the insurance broker and though I received an automatic message from SWMC that my concerns were escalated for a complete review, I also got nowhere and took measures to mitigate the escrow impact on my mortgage by seeking a loan modification from SWMC. My request and appeal for a loan modification so that my mortgage does not end in default were denied. My XX/XX/XXXX request to refund my escrow account of the unauthorized charges have gone answered ; this request was sent to the CEO, MrXXXX XXXX XXXX ; customer service ; management ; and the insurance departments. On XX/XX/XXXX, I followed up in an email to Mr. XXXX and to date, I have yet to receive a response. I thank the CFPB for looking into this very important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Home Depot/Cbna has XXXX to do a proper investigation and independent investigation. Ive sent several certified dispute letters regarding the inaccurate late payments. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late, XX/XX/XXXX is 90 days late, and XX/XX/XXXX is 30 days late. 

I've asked for proof that I was late the month Home Depot has reported but they fail to reply to anything.. Home Depot simply ignores my disputes. They think they are simply above the law and they can just ignore it. 

Violation & Inaccuracies Failed to enter the Notice of Dispute within 30 days It is a Violation to report a {$500.00} Credit Limit on a account that has been closed since XXXX The Home Depot Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed 4 consecutive months yet the " Status Date Updated is XX/XX/XXXX. '' That's impossible to be reporting Certified accurate VERIFIED information WHEN THE STATUS DATE HAS NEVER CHANGED XXXX SO THAT MEANS THIS ACCOUNT HAS NEVER BEEN independently INVESTIGATED. VIOLATION OF SECTION XXXX.
Product: Credit reporting or other personal consumer reports

the consumer agenies are violating my rights. 
Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experians inaction violates federal law and my rights as a consumer.
Product: Credit card

I received an email message from Macy 's Citibank Credit Card on XXXX that said my account is past due. I know for a fact I made a full payment of the balance of {$68.00}. 

I reviewed my prior email and received an email from Macy 's Citibank on XXXX thanking me for my payment. 

Another email from Macy 's Citibank said that " your bank was unable to process the payment, '' so I called my bank to find out what happened. I spoke to my bank twice today, and the representatives verified that there was no rejection by them for a request for payment.

I called Citibank, and when I informed the guy that I spoke with my bank and there was no rejection by them to process the payment request, he asked me if " I had proof. '' The guy also interrupted me and out of frustration I asked to speak with the supervisor, and I had to verify my tel. no., and also verify that this was a cellular number, which then required him to read a list of issues with cellular phone numbers. I was placed on hold for 15 minutes, and because I gave Citibank my tel. number, I expected a call back. No one called. 

Obviously, there is a problem with processing, but it is not due to an error on my part or my bank 's. I do not want to make another payment, because Citibank 's email to me states that I have a balance of {$99.00} due on my account, and this is wrong. When I made the {$66.00} payment on XXXX, my balance was XXXX. I have not made any purchases with Macy 's since then.

The other problem is that Citibank 's website does not allow the consumer to view their statement ; every time I try, it says Citibank is unable to process the request. So as a consumer, I am informed I owe {$99.00}, but I can not review my statement showing the charges. This is a problem.

One final note : When I spoke with my bank representative and discussed the issue with Citibank, she disclosed that Citibank sent her the exact same message, i.e. that " your bank was unable to process the request. '' She also shared that she could not review her account statement. This means Citibank is messing up, not only on my individual account, but others as well. 

I am upset that Citibank never bothered to return my call, despite giving my tel. no. and having to listen to useless information about cell phones.
Product: Credit card or prepaid card

Every time I apply for A Citibank AAdvantage MileUp World MasterCard credit card, Citibank declines my application claiming that I have too many revolving credit accounts and they also levy a false accusation of too many delinquencies. My XXXX credit file is stellar for the last 7 years allowed by the Fair Credit Reporting Act. There are no collections, no public records, and no bankruptcies. Citibank has levied a false accusation and denied me my right to fair pattern and practice and credit. I have not filed bankruptcy and my credit payment history is near perfect. Citibank, understanding the rules and regulations within the Fair Credit Reporting Act, continues to willfully violate my FCRA rights and to discriminate against me by declining my credit card application. Citibank reviewed my XXXX credit report where I have only four accounts open and eight accounts paid in full with zero delinquencies. I have : OPEN CREDIT ACCOUNTS : XXXX XXXX credit card account. Balance : {$4200.00} zero delinquencies XXXX XXXX XXXX. Balance {$2600.00} zero delinquencies XXXX XXXX Credit Card. Balance {$200.00} zero delinquencies XXXX XXXX credit card. Balance. {$200.00} zero delinquencies My Income # 1 : {$3300.00} Veterans Administration My Income # 2 : {$1900.00} Social Security Administration My Total Income : {$5200.00} monthly {$62000.00} Annually My intent is to conduct balance transfer of the XXXX XXXX Credit Card balance and the XXXX XXXX  credit card balance to a new Citibank credit card. Citibank is depriving of my right to consolidate small debt. 

In violation of the Fair credit reporting act, Citibank attempts to retrieve old data that is beyond 7 years of age. The Fair Credit reporting Act restricts creditors to the most recent previous 7 years of a consumers credit history. 

I plea for relief from Citibank unfair pattern and practice. 

In addition, I was a victim of Identity theft 7 years ago. I have attached court document that dispute old accounts that are age 7 years and older. See attachments.
Product: Mortgage

My name is XXXX XXXX XXXX. I am a widowed senior citizen of XXXX years old. I am currently in a reverse mortgage with Celink Mortgage, XXXX. XXXX XXXX, XXXX, TX XXXX. Telephone number : ( XXXX ) XXXX. The reverse mortgage loan number is XXXX. My husband died in XXXX due to XXXX. I live with my son and he too has XXXX and is XXXX. Between the both of us living on a fixed government check once a month it is getting nearly impossible to continue making the home insurance payments to the XXXX XXXX XXXX company, address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, Phone : ( XXXX ) XXXX. Now on XX/XX/XXXX they want a down payment of {$2100.00}. I tried getting another insurance company but when my local insurance agent sent an inspector this week and did a 4 point inspection the report showed that this house needed too many repairs, i.e., roof tiles and electrical issues. Hence, my son and I don't have the money to repair the house for another insurance company to take over. The roof is especially critical with 50 % of the tiles needing repair. I don't know who to turn to. I don't want to loose my house and I am afraid to let the reverse mortgage lender know for fear of foreclosure. Please advise me! Thank you for your time and consideration in this matter.
Product: Credit reporting

The last payment on this account was XX/XX/XXXX.XXXX claim the last payment XX/XX/XXXX I wrote XXXX a letter asking for a payment identifier for the last payment the only thing i got was who the account was sold to so i contacted XXXX XXXX at XXXX ext- XXXX and spoke with XXXX on XX/XX/XXXX at XXXX she advised me that XXXX XXXX do n't have the account. How can XXXX report to the credit bureaus the last payment but they cant send me the last payment identifier..
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX
Product: Vehicle loan or lease

I explained to XXXX last week when she called that I had to medically retire from work and could not afford to pay {$250.00} before XX/XX/XXXX. I received a letter stating they would refer for legal action if it was not paid by then. Just like when they disabled my vehicle and I tried to call I ca n't get through to anyone unless I 'm calling to make a payment. All my calls have been forwarded to voicemails yet I 've received several calls from them to make payment arrangements they already set up like they know my budget and I 'm going through a hardship. Theyre also demanding a lumpsum settlement that I do n't have to pay at this time but wanted me to pay the settlement amount of {$4200.00}. I no longer have the truck. The interest rate they had my car priced at was an illegal rate 23.9 %. Although I signed the contract I was n't aware of this at the time or that they would tamper with and disable my vehicle after being one day late with my payment. The contract should really be voided because of outstanding interest rate I was overcharged. This is an aweful company to work with and has lied to me saying they did n't tell the car lot to install the disablement and for me to go there call them and they would let them know. XXXX said they would remove it if they spoke to someone from the finance company.I get to XXXX XXXX  where I got the truck from so Credit Acceptance can speak to them to have it removed and I 'm placed on hold for a long time and then I 'm told they did n't tell me that. So while the vehicle was in my possession I 've been at risk of being stuck in unsafe areas due to the vehicle being disabled for being a day or so late with payments and at the time I was working a lot and needed that extra day or so. I come out at XXXX to go to work from working a double shift the night before and the car did n't start. I was left without transportation to work or to the bank to even deposit the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 




XXXX Name ; XXXX XXXX, XXXX, XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX ADDRESS : XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date U Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is enabling a child support agency to make false reports on my credit report which is affecting my score. I have tried multiple times to rectify this issue by providing full documentation and current payment receipt. Despite my efforts, this child support agency ( XXXX XXXX XXXX ) continues to increase my balance, claim that I have late payments, and continues to report negatively to the credit bureau. 

Equifax has done nothing to stop this agency from doing so. They temporarily removed the agency from my report, only to allow them to go back on it. This comes after a dispute I opened where I supplied documentation and received no further correspondence from Equifax or XXXX XXXX XXXX. Im tired of being lied on and punished despite me making on time payments in good faith. As a consumer and a US citizen this has to be unconstitutional and an unethical way of conducting business. Someone needs to stop this.
Product: Credit card

I had a JCPenney store account charge card that had expired, and in order to receive the purchase discount, the cashier said I needed to re-apply for the account. Nothing was ever disclosed about it being XXXX with 34.99 % instead of just a store revolving account
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES KEEP CALLING FROM DIFFERENT TELEPHONE NUMBERS ALMOST ON A DAILY BASIS TO KEEP HARASSING AFTER TOLD NOT TO CALL ANYMORE.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX, this has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting

I have the same amount in collections by XXXX separate collection agencies. I believe only one should be reflected on my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file a complaint with EXPERIAN regarding inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). My name is XXXX XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My current address is XXXX XXXX XXXX  XXXX # XXXX XXXX, IL XXXX. The related FTC report number for this dispute are XXXX, XXXX. Upon reviewing my credit file, I have identified several entries that appear to be inaccurate, duplicative, or fraudulent, with no evidence of authorization or approval by me. These entries do not correspond to any legitimate transactions, accounts, or activities that I have initiated and may be the result of fraud. As such, I assert that these inaccuracies violate my rights under the FCRA and FACTA, which provide me the ability to dispute inaccurate information and require you to investigate and correct or remove any unverified or erroneous entries.

I believe these inaccuracies violate multiple sections of the FCRA, including Section 1681e ( b ), which mandates that credit reporting agencies maintain accurate information. The disputed entries on my report either appear duplicated or contain no legitimate transactions authorized by me. In addition, Section 1681i of the FCRA requires that credit agencies conduct a thorough investigation of disputed items within 30 days ; however, this has not occurred. If the disputed information can not be verified, it must be removed or corrected. Furthermore, under FCRA Section 1681c, outdated negative information must be removed if it exceeds the seven-year retention period, and I believe some entries on my report may be in violation of this rule. In compliance with FACTA, I am entitled to receive documentation proving the accuracy of these entries, yet I have not received such evidence. Therefore, I formally request that EXPERIAN conduct a thorough investigation of these disputed items and, if they can not be verified, remove them from my credit report immediately. If these issues are not resolved in a timely manner, I will pursue further legal action to protect my rights under both federal and state law.
Product: Credit card or prepaid card

XXXX  on XX/XX/26 through an email telling me of a credit score drop, that, on XXXX XXXX, a credit card was taken out in my name through Goldman Sachs Bank-USAXXXX XXXX XXXX My identity was stolen and a XXXX dollar credit card was taken out through GSXXXX XXXX XXXX I have contacted this bank and have discussed with their fraud department. They are taking steps to fix the issue. They told me to file a report with the FTC.
Product: Prepaid card

Bank of America Prepaid has made my life a living XXXX. Each time I call in, I have to go through a random verification process. Even though every single answer to their verification questions is accurate and remains the same, there are times they can't verify me. Because of this, they expect me to go to Bank of America when I'm sick and haven't left my home in months. I was advised that my replacement card was shipped on XX/XX/XXXX, and in order to get the status of my replacement card, I need to go into Bank of America. Again, I am not well, and my condition is only getting worse because Bank of America refuses to release my funds. Please help!
Product: Credit card

On XXXX XXXX, 2016 I initially reported that I did not make a purchase on a Macys ' card with account number ending XXXX. I told them that I had paid my account in full I was told that I had to complete and submit a Statement of Fraud which they had to USPS mail to me as they do n't have it electronically. They told me once they received that the account would be flagged for fraud and I would not longer receive phone calls ( I was receiving phone calls several times a day asking for payment ). I waited a week and called back again and told them I had not received the Statement of Fraud. She said she would mail it again. I waited another week and finally received it. At that time, I completed the Statement of Fraud and mailed it that same day. I have called several times to check on the status of this and each time they tell me a fraud investigation has been opened. I called again on XXXX/XXXX/2016 and spoke with XXXX and he said it had been resolved and it would be escalated so we can get it off of my credit report as soon as possible. He told me I should receive a letter from Macys ' in 7-10 business days. I asked if he could email it and he said no, they only used USPS. He then said it would take 30 days for the credit bureaus to update my credit report. I also just received a bill for the aforementioned account number and the balance is now almost {$200.00} ( I believe the original amount was {$57.00} ). I also received a letter from Macys ' saying effective immediately my credit balance has been lowered to from {$600.00} to {$200.00}. My credit limit on MY card ( which is a different account number ending in XXXX and has a balance of {$0.00} is {$1400.00}. It is now XX/XX/XXXX and I have yet to receive a letter from Macy 's and it is still showing on my credit report. Thank you in advance.