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

Dear WSFS, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXXXXXX XXXX XXXX XXXX  loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX. 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Checking or savings account

I am complaining about a XX/XX/2019 Citi Bank Promotion, that I infact followed there terms and never got paid. I specifically opened an account and transfered money out of my high interest money marketing account, just for this promotion as it sounded like a great deal. 1 year later and have yet to receive the money. Meanwhile im having to pay {$25.00} every month to keep my account open while i fight this matter. They are a complete fraud. Poor customer service. After making a report and them looking into this matter, they still sent me a letter telling me i didnt keep the required XXXX in there account for 60 days. My account had more than XXXX untouched for 5 months. 
The promotion was as follows : Citi Account Package {$400.00} Offer Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/2019 to XX/XX/2019. 
Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
I did all of the following. There first excuse was i never deposited the XXXX in time, which was a lie, i opened my account over the phone with there representative who made some sort of error where they claimed my deposit bounced for insufficent funds. I have proof it shouldve never as i never had insufficient funds. They fixed that and assured me i still qualified for the promo. So i went thru with it. Now 1 year later they sending me a letter stating my account didnt qualify as i didnt maintain XXXX in my account for 60 days. Another bs lie, i have my statements to prove so. This whole ordeal trying to get the situation solved has been more trouble than anything. Had i known this is what i would have to deal with to get paid the {$400.00} promotion, i wouldve been better off keeping my money in my money market account earning interest. This is unacceptable. I feel they owe me {$400.00} plus the monthly charges they continue to take from me while having to keep my account open long enough for them to fix there scandless careless errors. Totally unfair and a fraud and i noticed i aint the only one with this problem as i noticed a woman had to take it to the channel XXXX news to get her money. Totally rediculous.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : XXXXXXXX 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 an 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 and 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Advance America debited my checking account with XXXX  XXXX XXXX ending # XXXX on wrong date and a sum of {$230.00} has a negative on my account with charge fees of {$35.00}. 
I am respectfully not able to pay the full amount of {$230.00}, but l can start a payment extension and payment plan with Advance America to pay payday loan. 
Also, the fees are very high on payday loans and interest over 45 %. 
I am respectfully XXXX Lifetime and Retired and a XXXX XXXX Honorable Military Veteran and on a XXXX fixed income.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX Arkansas, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department/Re : Investigation I recently received your intimidating response letter regarding this recent investigation results confirmation that is above. In where you stated that the results from that investigation has been completed. '' As a result of your findings. Im formally requesting the following documents specifically. 

Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETEXX/XX/XXXX XXXX XXXX XXXX Or Delete It! 
XXXX XXXX XXXX XXXX Or Delete It! 
" DELETE XX/XX/XXXXXXXX '' Or Delete It! 

Richardson v. Equifax Information Services, LLC et al, Cushman Vs  TransUnion, and Stefferson Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors.  They have to do and conduct a reasonable investigation on their own. Which means that they cant just use the XXXX System because its not considered reasonable. They can not just say that we went to the Creditor and/or Collectors and got this information and they just say that its verified and we can say that its verified. No! 

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

And send me another credit report. 
I've included the official letter with the disputed items listed on them.
Product: Mortgage

I applied for a loan with QuickenLoans through their so-called " XXXX '' platform. I was quoted a rate on the first day and requested getting locked in. It took Quicken weeks to eventually tell me that I do not meet their underwriting guidelines, even though my loan rep continuously conveyed optimism that I would be approved. During those several weeks, rates climbed at unprecedented levels. I strongly suspect the decision to decline had more to do with the climbing rates and Quicken 's failure to lock in my rate.in other words, they did n't want to absorb the cost of their failure to hedge and declined me instead. 

Even if that is not the case, I lost several weeks thinking I was getting approved and was locked in. Now, with rates likely to continue to rise, I 've lost the opportunity to refi and their incompetence will cost me XXXX of dollars!
Product: Mortgage

I bought my home in XXXX of XXXX with the help of a XXXX  loan. 

Mr. Cooper is my current mortgage servicer and in XXXX due to XXXX and a reduction of hours at my job at the time, I started to fall behind on my payments and enrolled in the deferment payment plan. 

Mr. Cooper continued to pay my taxes and insurance during this time, so the escrow I owed increased.

I did a Home Equity investment with XXXX XXXX in XXXX of XXXX. 

Part of the loan agreement with XXXX was that Mr. Cooper stipulated that {$17000.00} of any monies received by me MUST be paid to Mr. Cooper and applied to bring deferred escrow up to date. 

When Mr. Cooper received the money from XXXX that was to pay the back escrow, Mr. Cooper put it on the principle instead, by doing this, I still owed the back escrow and my payments increased. 

I have been trying to get this rectified for almost XXXX  years now. Many, many phone calls to Mr. Cooper and many staff in many departments assured me it would get resolved has resulted in nothing but frustration. Each time I called, which was approximately once every other month, I was told by the person on the phone that it was definitely an error on Mr. Cooper and the issue was being referred to another department or a XXXX and it would be corrected and I would be contacted. 

It has not been corrected and I have never been contacted regarding this matter by email, phone or mail. 

Because Mr. Cooper wrongly put the money to the principle instead of the escrow, my payment has remained increased by almost {$500.00} a month, which is a hardship for me to pay. 

I ask for your help in getting this resolved so that my monthly payment can be lowered back to the correct amount and the money is moved to bring the escrow up to date. 

I also ask for any punitive monies levied against Mr. Cooper to be applied to my mortgage balance and to be notified of any actions taken against Mr. Cooper on my behalf in regard to this matter.
Product: Credit card or prepaid card

American Express Credit Card Account ending in XXXX and Business Name : XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reference Number : XXXX Transaction Amount : {$530.00} I have submitted two dispute claims to American Express with proper and supportive documentation to prove that XXXX XXXX XXXX incorrectly billed me for services. XXXX keeps sending the same incorrect information to Amex who seems to take it for face value without realizing the discrepancies stated by this hotel. This results in Amex making me responsible for the amount in question twice. 

-In the American Express XXXX Statement, the hotel first stated that I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX. That was their first false claim. I checked in on XX/XX/XXXX and checked out on XX/XX/XXXX. 
-The statement I submitted from XXXX clearly indicates that I made a reservation for 1 room for 1 person from XX/XX/XXXX to XX/XX/XXXX. XXXX. The room description is indicated in the copy I submitted and that this reservation was paid in advance as indicated in my XXXX XXXX credit card statement ( I redeemed my 1-night points as a valued customer of XXXX to get that fee ). 
- A second false claim submitted later by the hotel states the wrong customer name and that I stayed in their hotel a total of 4 nights : from XX/XX/XXXX to XX/XX/XXXX. The hotel must have made a mistake with the reservations and billed me for the wrong dates. 
- I have submitted documents in my second dispute that after staying the one night in XXXX, I went to another hotel that I had already booked in advance to join my party. I submitted the reservation from XXXX and the receipt from the other hotel stating the checked-in date as of XX/XX/XXXX and the check-out date as of XX/XX/XXXX. This was also paid in full in advance. I couldn't be in two places at the same time.
Product: Debt collection

I just received a response from Bank of the West regarding my previous dispute their response to me was they returned the debt back to the bank and i am to contact them to work out a payment resolution thru the pandemic relief act, however after the response the collection account was removed from my account and Bank of The West reported the same credit card twice on my XXXX XXXX with the original opened and closed date and then again with the closed date and the dollar amount is off by a few dollars so they are now violating the Fair Credit Reporting Act by reporting the same debt twice,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TXXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX : XXXX is reporting a payment status of current with no late payments, XXXX is reporting a payment status of current with no late payments and Equifax is reporting a payment status of current with late payments of 30 days in XXXX and 60 days in XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.
Product: Credit reporting or other personal consumer reports

Hello Ive reached out to transunion about 4 times regarding these hard inquiries that werent authorized nor did I give permission to furnish this data on my credit report. I did not submit any credit applications to any company and my credit score was damaged due to these inquiries please remove asap thank you!
Product: Credit card or prepaid card

For over a month now, Capital One has been treating me as if I were a criminal trying to steal my own identity. It began on XX/XX/2020, when XXXX locked me out of my XXXX account ( just days after a hacker tried to access it ). As an American working in XXXX, I relied on emailed statements from Capital One to stay updated on my secured credit card account. So on XX/XX/2020, I called and asked them to change my email address. Before doing so, I paid for a recent charge of {$24.00} that I had made on XX/XX/2020 for online membership with XXXX XXXX XXXX. 

Not having an American cellphone number, I was asked to post my drivers license to a secure link, which I did. On XX/XX/XXXX, I called again, and was told to post a copy of my social security card. I told them that I did not have it with me, having been unable to find it before leaving the US. Having just gone to XXXX XXXX ( because of the coronavirus ) I did not know where a new card could be mailed, or even if it was possible to apply for one while overseas. I offered to show Capital One another proof of my social security number. They refused. 

In America, my mother searched for the card and could not find it either. So on XX/XX/XXXX I asked Capital One to send paper statements to my home address in XXXX. They again demanded to see my social security card. Soon after this, I discovered that they had disputed the XX/XX/XXXX charge as fraud and reversed the payment to XXXX XXXX XXXX. 

Thinking if I could just get a replacement social security card, all would be well, I tried and failed to set up an online social security account. I then tried calling the Social Security Administration long distance, and got put on hold for so long my phone disconnected. I  finally concluded that the only way to apply for a replacement card was to mail my original drivers license and an authenticated copy of my birth certificate, which I did not feel comfortable doing. 

Then on XX/XX/2020 I finally recovered my XXXX account. I thought that since the problem had begun with a simple request to change my email address, getting back my original email account would end the ordeal. But Capital One not only refused to take the fraud alert off my account, they even refused to refund the money I had paid them on XX/XX/XXXX for the charge they had later disputed as fraud. This is unacceptable. 

I believe it puts an unnecessary burden on me to have to mail valuable, original documents internationally in order to obtain an extremely sensitive document that could get stolen by identity thieves. I also think it is wrong for Capital One to keep my money after denying me the services for which I paid.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and noticed that XXXX XXXX XXXX is attempting to collect a debt in my state, but they do not have the legal authority to do so. Based on my research, this company appears to be closed, making it impossible to properly validate the alleged debt. I have never received any documentation regarding this account, such as the original contract proving I owe the debt or a transfer agreement, including a bill of sale. Despite this, XXXX XXXX XXXX has reported the debt to the credit bureaus, defaming my character and violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection activities until the debt is validated by providing sufficient documentation, which they have failed to do. Additionally, reporting unverified information to credit bureaus is a violation of the FDCPA, as established in XXXX XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XXXX XXXX XXXX ). This also constitutes an unfair and deceptive practice under 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representation of debt collection. 

Their continued reporting of this unverifiable debt has defamed my character and caused harm, consistent with the principles in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court reinforced that attorneys and entities involved in debt collection must comply with the FDCPA. 

I am requesting the immediate removal of this account from my credit report and that all personal information be returned to the original creditor. This is not an attempt to validate the debt but to report XXXX XXXX XXXX for their violations of federal consumer protection laws.
Product: Payday loan, title loan, or personal loan

Hello. I contacted Seed Fi to inform them my hours have been reduced at work and I am facing a possible XXXX with the XXXX XXXX XXXX. I have to start getting my affairs in order if I am XXXX. I have asked four times for a payment modification to assist me during this time so my security clearance is not put at risk due to late payments. My payment record is perfect, I just need assistance for a short period of time, but Seed Fi says no over and over even when I disclose I am a service member. I need to reduce my payments from {$200.00} per month to maximum {$100.00} per month.
Product: Mortgage

I have a second home that is rented to a tenant on XXXX the XX/XX/2020 myself as well as the tenant at the property were forced to stop working due to the coronavirus. I continued to make the payments until XX/XX/2020 I called and requested a deferment, at that time I was told I could put in for a forbearance Loancare will not start the deferments until XX/XX/XXXX. XX/XX/XXXX I could call back on the XXXX. of XXXX. I put in for the forbearance I was approved on XX/XX/2020. On XX/XX/XXXX. I called a requested the deferment I was told they would keep the forbearance in place until the deferment go through it should take about two weeks or up to 30 days. I called over ten times to check the status of my deferment I was told my deferment was being processed. Each time I call, I was told the same thing but nothing was being done after that I received a negative report on my credit report stating I was 60 days late causing my credit score to drop by XXXX points. I contacted loancare again on XX/XX/2020 requesting my credit report be fixed also an update with my deferment. Loancare has continue to give me incorrect information about my deferment request.The last call I made on XX/XX/2020 spoke to the loss mig. dept again now I'm being told she is not sure why they have been telling me my deferment would be done in a few weeks XXXX stated my request has never been put into the system she did see the request to have my credit report corrected but it has not been done. My previous tenant moved out the house. On XXXXXX/XX/2020 I was able to put a new tenant into the property therefore I started right away making my payment effective XXXX XXXX. XX/XX/2020 now I'm being told by XXXX to stop making payments until they put my deferment in the system but it is no guaranteed your deferment will be approved. Now this is starting to sound really crazy at this point. I was unable to pay my loan due to the pandemic for three months now I have a new tenant in the property now I can pay the mortgage each month but I'm told to stop making payments until I receive my deferment that is not a guarantee. This is really crazy I need your help on this matter. I'm trying to get the three months I missed on my payments deferred, I will continue to make payments to my loan since income is now coming in. But at this point I can't trust that Loancare will do right by my loan and help me get the deferment in place so I don't have any future problems down the road for something that was completely out of my control, an act of nature the covid-19.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found errors that are impacting my creditworthiness. I expect the credit bureaus to investigate and correct these inaccuracies promptly. The account details needing verification are : Account Name : XXXX XXXX XXXX : XXXX
Product: Checking or savings account

On XX/XX/year> I deposited my sole proprietor business checks into my personal checking account. The checks were accepted and said funds available tonight. The next day my account was restricted. I went into the branch to verify my identity and that I was the business owner. I was asked to fill out paperwork and did so. Then I was told that it would take up to 7 days to lift the restriction. I have not had any access to my checking account since XX/XX/year>. I can not use my debit or withdrawal funds. The balance has remained the same since XX/XX/year>, {$1800.00}. Every time I call the branch I'm told different information but no one can tell me when funds will be available. Today I was told to call the corporate XXXX number and when I called that number they told me there's nothing they can do, it's a branch hold issue.
Product: Debt collection

dynamic recovery solutions shows I owe {$4500.00} suddenly " opened on XX/XX/2021 '' ( with no dates of service, billing, first delinquency or payment history??? ) from XXXX XXXX XXXX. I disputed this amount with XXXX because I have not had any anesthesia services. XXXX " resolved '' the dispute saying " was confirmed and made no changes to my credit ''. This is impossible since I have not been to XXXX ... All my doctor bills are paid..?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MA XXXX ( XXXX ) XXXX {$240.00} XX/XX/2017 ( 1 yr ) This company has been calling and leaving remarks on my credit report. I have never signed anything or initiated business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 and my bank account was at negative balance of {$1200.00}.