23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

CitiMortgage did provide me with a written response but it had nothing to do with the majority of my re quests sent to them via Certified Mail. See attachment.     CitiMortgage only states that it is n't their policy to return the original note. Well, tough  XXXX . I am the SOLE OWNER and creator of that security and I want it back. I also want ALL of my requests answered.     I will proceed with recording a perfected security interest in CitiMortgage for the face value of my monetary instrument, plus costs, and plus damages.
Product: Credit reporting or other personal consumer reports

Equifax is not generating my credit score and credit report
Product: Student loan

The year of XXXX I thought I could go back to school and maybe get a XXXX degree ... ah no that did n't work because I have been out of school way to long. Within the 2 months I received a Federal Loan. I was ecstatic I was going to buy or upgrade my computer and get better XXXX service. But after all said and done I did not make it and stop trying. I do n't recall how much money at the time I received but the time months went and years I owed more money than I have received. The loan went to XXXX XXXX then to XXXX and then Navient. I tried to pay them In XXXX by letting them take money out of my check direct deposit. I lost my job XXXX XXXX and it stopped. Have n't been able to pay them after that because I had to go on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$630.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX DEPT OF ED / XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This is a re-sold debt to the debt collectors so they are rude and they violate every law out there, this item has been disputed many times and removed now this debt has had and has bought it from someone else, XXXX XXXX XXXX has not supplied any documentation for this debt no matter how many times I have disputed, they have violated LAW CODE 1681 N
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen an collection account on my Equifax report that is old and has been resolved. Equifax has refused to remove it even though the alleged collection agency has confirmed that they have closed this account and are no longer pursuing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX XXXX XXXX to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and request the immediate blocking and deletion of accounts listed on my credit report under the provisions of 15 USC 1681c-2 ( a ), as I am a victim of identity theft and believe my personal information was compromised during the data breach. 

The following accounts were fraudulently opened or affected and should be blocked and deleted from my credit report : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$510.00} Status : At least 120 days or more than four payments past due Credit limit : {$300.00} Past due amount : XXXX XXXX Monthly payment : {$25.00} Highest balance : {$510.00} XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Balance : {$180.00} Status : Charged-off Credit limit : {$2500.00} Past due amount : {$120.00} XXXX XXXX XXXX XXXX Account 1 : Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$300.00} Status : Charged-off Credit limit : {$300.00} Past due amount : {$300.00} Account 2 : Account name : XXXX XXXXXXXX XXXX Account number : XXXX Balance : {$1000.00} Status : Charged-off Credit limit : {$1000.00} Past due amount : {$1000.00} Account XXXX : Account name : XXXX XXXX XXXX Account number : XXXX Balance : {$16000.00} Status : Repossession Original balance : {$22000.00} Past due amount : {$4100.00} Monthly payment : {$410.00} These accounts were not opened by me nor authorized by me, and I am requesting their removal pursuant to my rights under the Fair Credit Reporting Act. 

Attached to this letter, I have included : A copy of my government-issued ID for verification. 

A copy of a utility bill as proof of address. 

A police report or FTC Identity Theft Report detailing the identity theft.

Please confirm in writing that the disputed accounts have been blocked and deleted from my credit file. Additionally, if further information or documentation is required, do not hesitate to contact me immediately. 

Thank you for your attention to this urgent matter. I look forward to your prompt response within the time frame outlined by federal law.
Product: Credit reporting or other personal consumer reports

XXXX has inaccurately reported two payments as late to Experian. I have provided two screenshots depicting both payments were made on XX/XX/year> - not XX/XX/year> as they are inaccurately reporting. They ignore my numerous requests and I have been unable to resolve this issue.
Product: Debt collection

XXXX lien my house with XXXX judgements for the credit card debt that has passed 4 years from the first date of default. I contacted XXXX and CITI bank who confirmed that first date of default on these accounts were XX/XX/XXXX ... XXXX sold this charged off account to XXXX and Citi bank sold this account to XXXX. Both of these collection companies were then solicited by XXXX XXXX who promised them to collect. XXXX then has filed for a judgment in XX/XX/XXXX which is past the 4 years and violates the statute of limitations for the state of California. XXXX XXXX has violated federal statutes and violated Fair collection practices act. I asked them to stop and release the liens even offered to settle on these account but they refused to accept anything less than full balance.. I keep getting harassing and ensulting phone calls very early and near XXXX from this company. XXXX agreed to settle these account for less than full balance sent me a fax on XX/XX/XXXX, and now denies doing so ... XXXX said they will send a sheriff to my residence or work to arrest me if these accounts are not paid in full in 10 days. THis is unacceptable is n't there a law to stop these illegal collection practices? ..
Product: Credit card

I made my regularly scheduled payment online on XXXX ( this is the due date ). PNC Bank placed a {$35.00} late fee on my account, even though, according to my payment receipt any payment made prior to XXXX XXXX ( EST ) will be accredited on the same date. Upon contacting customer service I was advised that any payment made on the due date would incur a late fee. This has never been the case and I have always made my payments before or on the due date and have never had this done. I would like for the CFPB to investigate the fees that PNC Bank may or may not be assessing to their credit card customers.
Product: Credit card or prepaid card

On XX/XX/2020 I set up the AutoPay feature through Bank of America 's eBill platform to pay my XXXX Bank of America XXXX XXXX in full each month using a checking account at another bank. 

I use electronic autopayment for many bills and do not log in regularly to check accounts. I do ; however, set up alerts so that I will be made aware of any unusual activity on the account. 

Bank of America 's autopay failed to pay XXXX bill for {$34.00} by the due date of XX/XX/2020 and on the next bill I was assessed a minimum interest charge of {$1.00}. I was never alerted by the bank that this bill was unpaid or that interest was charged. The autopay again failed to pay this bill by the due date of XX/XX/2020 and I was again charged a minimum interest charge of {$1.00}. Once again, the bank did not alert me to any issue with this payment. 

I was only alerted to the issue by a credit monitoring service on XX/XX/2020, as this account was marked as having a late payment on my credit report. When I logged in to the Bank of America website, I could see no trace of the autopay that I had set up months before. I was never told by the bank that there was any problem with my autopay. 

I called the bank and they were helpful about removing the mark from my credit report. I have spoken to XXXX Bank of America representatives on the phone XXXX XXXX on XX/XX/2020 and subsequently on XX/XX/2020 ), both of which acknowledge that there was an error on the part of Bank of America. They have told me that there is no way that they can refund the interest charges and that there is no one that I can speak to with the power to refund the interest charges. 

I acknowledge that it is a small amount of money in this case : {$3.00} ; however, I find it very disturbing that the bank is refusing to pay back fees that they have collected when they acknowledge that they should not have charged those fees in the first place. Furthermore I was told that there is not even a mechanism in place to refund these fees in the event of an error. This points to a systemic problem with Bank of America. I worry that this bank may be wrongfully withholding fees from many consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because Mr. Cooper, formerly Nationstar, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. 

Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. Mr. Cooper has changed its name but its fraudulent business practices have continued right where Nationstar left off. I hope that you will contact the firm and address this on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several disputes via writing to CRAs and via CFPB COMPLAINT, still no resolution.

Pursuant to 15 USC 1681n CIVILLY LIABLE FOR WILLFUL NONCOMPLIANCE : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or.

( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow My actual damages sustained are beyond the 4 letters sent to the cras and the numerous complaints sent through the cfpb. I have been denied for credit and housing and my children have suffered because of the willful noncompliance of the cra. Enclosed are my proofs from the courts and third party that the bankruptcy you claim was verified numerous times is inaccurate.
Product: Debt collection

Was not notified of a debt owed before placed into collections. They did not send back up documentation of debt owed. Excessive monthly charges, extortion to intimidate if do not settle credit will continue to be damaged and I will not be able to buy a home. If I do pay in full, it will still remain on credit report and lender will not let me buy a home. That it is better to wait the 7 years. They harass me, are rude, degrading in telling me I should of read the lease. That I can call a lawyer but there is still nothing I can do. This is detrimental to me and my family.
Product: Mortgage

In XXXXXXXX XXXX XXXXXXXX, I refinanced my USDA loan with Mr. Cooper/Nationstar. I didn't realize at the time, but Mr. Cooper failed to add my PMI payments to the final closing disclosures my husband and I signed. As a result, the payments were never added to my monthly mortgage payments and thus never paid to the USDA. In XXXX XXXX XXXX Mr. Cooper must have been alerted by the USDA that they had not received their annual PMI payments so Mr. Cooper withdrew the entire amount of {$770.00} from my escrow account to pay the USDA. They then did an escrow analysis in XXXXXXXX XXXX XXXX  which showed that I, of course, had a significant deficit. They claimed to have sent a letter and if they truly did then I did not receive it as a result of Hurricane Ida which devastated my area the same month. I did not become aware of a problem until my XX/XX/XXXX mortgage payment overdrafted my bank account because Mr. Cooper changed my payment amount from {$1100.00} to {$1300.00} to cover the escrow and now they have started adding the PMI they hadn't been charging me for nearly 2 years. I called them immediately and they explained everything about the escrow shortage but did not understand why I hadn't been charged PMI until I had them check copies of the closing disclosures. Once they realized their employee, XXXX XXXX, made the mistake, they informed me she longer worked with the company and refused to work with me to correct this. They doubled down and said I was going to pay the money back to escrow and pay the PMI regardless of what my signed disclosures stated. At this point and after consulting with professionals, I was advised to refinance again but into a conventional loan. I started that process immediately and in XX/XX/XXXX I no longer had a mortgage with Mr. Cooper/Nationstar and I was out XXXX of dollars due to their incompetence.
Product: Money transfer, virtual currency, or money service

I am a XXXXXXXX XXXX  user and during the beginning of using the new application of Zelle, I was trying to buy a couch set and the person wanted money through zelle for a down deposit before getting the item and I sent {$200.00} as a deposit but then the person ghosted me and i wasnt able to request my money back from the app. The app had no warnings about scams or explanation of not being able to get money back. When i called Zelle and XXXX, they said there is nothing they can do
Product: Debt collection

I opened a joint XXXX XXXX XXXX account with my sister. I then changed carriers, and so did my sister. On XX/XX/XXXX, she closed our joint account, in-person at an XXXX XXXX XXXX store, with {$0.00} as its remaining balance. 

XXXX XXXX XXXX went to a 3rd party debt collection company, XXXX, XXXX, to collect an incorrect debt of {$85.00}. I raised a dispute with XXXX and on XX/XX/XXXX they told me this case has been put on hold as they investigate the validity. They then followed up with a notification via mail confirming that I do not owe any debt to XXXX XXXX XXXX and that XXXX will stop harassing me on this issue. I considered the matter closed. 

On XX/XX/XXXX, another debt collection agency, Afni, Inc., contacted me about a debt of {$85.00} to XXXX XXXX XXXX. I contacted Afni directly and told them I do not owe XXXX  XXXX  XXXX  money, and have already provided proof to XXXX, the previous debt collection company, that we have resolved this matter. I forwarded the communications to Afni, including proof that my balance was {$0.00} when I closed my XXXX XXXX XXXX account. 

I suspect one of the two scenarios had happened : Either scenario 1 ), XXXX did not actually close my case but passed it on to Afni to unfairly collect this amount of {$85.00} from me. Or, scenario 2 ), where XXXX XXXX XXXX directly contacted Afni after XXXX was unsuccessful in collecting the non-existent debt from me. 

Either way, I contacted XXXX XXXX XXXX directly on XX/XX/XXXX and they sent me on a wild goose chase across all their extension and phone channels - more than 4 hours spent on the phone, kicked around 3+ departments, and I finally landed on a young lad who was able to use my old XXXX  XXXX XXXX account number to access his system and actually confirm that my balance with them, was indeed, {$0.00}. I asked him to screenshot this and email it to me so I can provide further proof ( right from the horse 's mouth ) to Afni to stop harassing me, or worse, pass this case on to yet another debt collection agency. By this point, the young lad seemed very scared and wanted to " pass me on to a specialist ''. Alas, there was nothing on the other end ( surprise, surprise ), and I suspect he did not want to deal with me even though we both have our own separate proofs that I do not owe XXXX  XXXX XXXX a single cent. 

What to do now? XXXX XXXX XXXX claimed that since my account is closed, the " debt '' is in the debt collectors ' hands now. Yes, collectors plural. They can't do anything about it on their end. Afni will acknowledge my dispute, and just pass it on to another debt collection agency. The vicious cycle will continue until I finally break down emotionally, mentally, and physically, and give in to these telecom tyrants and pay them this non-existent debt. Capitalism at its finest. 

In the meantime, I want to continue to fight this for as long as I have my sanity.
Product: Debt collection

XXXX    XXXX  , I sent a debt valida tion letter to Hunter Warfield. They responded to my  validation letter within the same month. They provided a lease with a signature and a final statement from the original creditor. I responded to their verification disputing several inaccuracies with the account. The letter that I sent them was dated  XXXX   XXXX ,   XXXX  . I waited a full  thirty days ( plus additional days ) before  I sent them another letter which was dated  XXXX   XXXX ,   XXXX  . The problem is that they are reporting I owe them  XXXX  dollars. I 've reviewed the lease, and there is n't a statement that authorizes them to attach additional fees. Furthermore, on the lease it 's stated {$850.00} was the rent. However, on the final statement it is listed as {$1000.00}. The lease stated there was n't a security deposit paid, however there was a security deposit paid to the original creditor. There is a lot of charges that does n't make any sense whatsoever. According to the FDCPA and FCRA, the company should have responded to my request for an investigation within 30 days. It has been well over that timeframe and all three of my credit reports are still reflecting the same information. Additionally, on my  XXXX  report, they are reporting ter ms ( 1month  ). Every month they have been reporting a payment history claiming that my account was charged-off and past due. I 've never made a payment to this company. I 've never signed an agreement with this company agreeing to pay them.
Product: Debt collection

NATIONAL CREDIT SYSTEMS is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2400.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card or prepaid card

I called in to Fidelity Card Services through Elan Financial Services and asked them to redeem my reward points and transfer the funds to my Fidelity cash account. They said it would be two days. Three days later nothing had been deposited and was told it would be seven days. Nine days later I called and they told me sorry but it has been sent to " research '' and will take two weeks! They offer no compensation for the time I have spent resolving this which has exceeded ten hours nor have they offered to pay interest at the same rate they charge me to use the card. Not to mention the anxiety  generated having to deal with these lying thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to this specific credit bureau, and have not gotten the results I've asked for. I have a significant amount of delinquent accounts on my credit file that does not belong to me due to identity theft in 2012, I have asked them to investigate and remove these items from my credit file but they are not holding back. I have also asked for PROOF OF DOCUMENTATION THAT BEARS MY PHYSICAL SIGNATURE once the investigation is complete and they have not sent me that proof either. 

I'm in desperate need of help from the CFPB, due to the fact that this has been hendering my life and I cant get approved for a home loan that I've applied for do to these negative items on my credit file, and the credit bureau won't do anything about it. 

The accounts below that are listed, I'm asking that you do a final reinvestigation and if you say the accounts belong to me, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX  XXXX - XXXX - XXX XXXX  - XXXX XXXX XXXX - XXXXXXX PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

PLEASE SEND ME AND THE CFPB, PHYSICAL PROOF OF A CONTRACT OR DOCUMENT BEARING MY SIGNATURE. THATS ALL I'M ASKING FOR!!!!! 

THIS IS MY LAST RESORT, IF I DON'T HAVE THESE ITEMS DELETED, YOU CAN CONTACT MY LAWYER TO WORK OUT A SOLUTION TO AVIOD LITIGATION. MY LAWYER CONTACT INFORMATION IS LISTED BELOW. 

XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX