23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ditech Financial ( formerly Greentree Servicing ) withdrew {$2000.00} from my escrow account for annual property tax payment to the county. The property was under contract to be sold. Ditech never submitted the payment to the county therefore requiring me to make the full annual tax payment to the county out of pocket. The property has now been sold and my account is closed. I 've contacted Ditech weekly for the past month requesting they refund the escrow monies taken from my escrow account but never paid out to the county. Each time, they assured me they would locate the funds internally and issue a refund. However, this has not taken place yet. Each time I speak with XXXX XXXX, tax manager, he is unsure of where the funds are internally and tells me he hopes he can locate them in hopes that he can have them refunded. As of today, my account has been closed for 30 days as I have sold the property and paid off the loan. The escrow amount of {$2000.00} has not been located and refunded to me and Ditech has not been able to provide me with a confirmed resolution. XXXX XXXX confirmed that the payment was withdrawn from my escrow account referencing a county payment, however the payment was being held internally and would not be sent to the County until XXXX XXXX, 2016. As of now, the funds are unable to be located and are due to me as the property has been sold and taxes paid by account holder.
Product: Debt collection

My first request for debt validation all that was received was a copy of a statement and a letter saying this is yours. I have again ask for complete debt validation.and have not received.any information at all. Meanwhile this item remains on my credit file and is causing me.problems with obtaining credit.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was alarmed to see an unauthorized inquiry that I did not recognize. I check my report regularly, and this was never there before. I attempted refreshing my browser, thinking it might be an error, but the inquiry remained. This is extremely upsetting, and I expect this issue to be resolved without delay. Please review my submitted documents thoroughly so I dont have to deal with this stress any longer.
Product: Credit reporting or other personal consumer reports

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXXXXXX The account listed above is currently a closed account and that's more of a reason I want that account to be removed off my credit reports
Product: Debt collection

I am filing a new complaint against this company because again they are not reporting accurate information. Total paid : {$410.00} + $ XXXX {$720.00} total remains : {$280.00}. I have proof of these payments. First payment was back in XX/XX/. I have given them substantial time to fix the balance. Class action needs to happen. There are families that they like to see suffer. The people that work for them have no heart. They dont follow standard rules made by the federal government.
Product: Credit reporting or other personal consumer reports

I previously disputed this inaccurate account twice already with Experian : account # XXXX, balance : {$780.00}, date : XX/XX/year>, address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX and the XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX agency is violating the fair credit reporting act laws Violations : XXXX. Never contacted me by any means whatsoever about this collection before adding this account to my Experian credit report XXXX. Ive previously disputed the listed above collection twice and still XXXX XXXX XXXX  has felled to validate this collection with any documentation XXXX XXXX XXXX I demand you remove this account immediately from my credit report asap or you will be facing a lawsuit your LLC you have been warned!!!!!! 

( Experian credit agency ) please provide proof of your investigation so that I may follow up : 1. Please list the method used to verify each individual account?

2. Provide the names and dates of entities and phone numbers of the people spoken to who verified the accounts? 
XXXX. List all addresses of those people or entities use to verify accounts during the verification process? 
XXXX. Provide all documents proving inaccurate account information was indeed accurate?
Product: Mortgage

( Submission with documentation : ) I am awarded a property through divorce. Wells Fargo has consistently denied my ability to assume a loan associated with the property and be added to the mortgage note in accordance with Garn-St. Germain Depository Institutions Act of 1982. I am also listed as " survivor in interest. '' As a result, I have fallen behind by two months on the note. Wells Fargo is implementing a " due on sale clause '' of which I am exempt by law. This has delayed the process of adding me to the note and has been costly. Wells Fargo has now attempted to offer a loan modification with a simultaneous assumption as a way to assume the property, but Wells Fargo is fully aware that given the nature of the loan being assumed, a loan modification may automatically become denied or unattainable. The loan is a MBS loan ( Mortgage Backed Security ) loan which does not have a permanent  modification option. It is unclear why Wells Fargo continues to operate in manner and continues to impact my ability to be added to the note in accordance with the law and exemptions on divorce transfers of ownership.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  and/or XXXX XXXX XXXX XXXX XXXX have been reporting a case of identity theft for almost a year. This is my statement below, and XXXX fails to proof that I was the one getting the credit. They finally sent a copy of the contract where it is very clear that is NOT my signature. I have ALL the proof that I was in New York the time this purchase was made. Please read statements below : This is my SEVENTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 

I have summited all the required documents including : 1 ) POLICE REPORT 2 ) IDENTITY THEFT REPORT 3 ) PROOF THAT I WAS UNDER FEDERAL CUSTODY 4 ) PROOF THAT I WAS RELEASED ON SUPERVISED RELEASE IN NEW YORK 5 ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/year> XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car or set up a business when I was in XXXX XXXX and then a XXXX XXXX and Probation/Supervised Release living in XXXX XXXXXXXX New York XXXX 

My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in XXXX and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. 

There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or Federal Prison and even while I was at the halfway house or supervised release without having to go through my Probation Officer. 
-- -- -- MY RESPONSE TO XXXXXXXX XXXX  STATEMENT PROOF THAT IT WAS ME!! the contract they sent as " proof '' clearly has a forged signature. 
I was " released '' on PROBATION or SUPERVISED RELEASE in NEW YORK, and moved to XXXX XXXX, where I lived in worked for the following two years. I did not go to California.

Second of all, you attached a CONTRACT, well, that is the proof we need, that signature is NOT MINE, is FORGED, you can have a forensics team verify if. 

I already explained and submitted PROOF that I was released in New York. Where I lived in XXXX XXXX. And also that my brother XXXX XXXX was living in XXXX XXXX and he was the one using my IDENTITY to get loans and credit. 

Please SHOW PROOF that it was me. I was in New York at the time, I could not travel or leave because I was under SUPERVISED RELEASE with several restrictions one of them buying a car 30 states away from where I was living and working in XXXX XXXX NY.
Product: Credit card

I overpaid this credit card in error ( SonyCard on Comenity Bank ) on XX/XX/XXXX. I have called 4 times and still have not received my refund. This is {$8400.00}. It is alot of money. Here is a log of my calls : XXXX XXXX I was told that it would be two weeks until we would receive a check with our refund XXXX XXXX I was told again that it would be two weeks until we would receive a check with our refund XXXX XXXX I was told the check was sent on XX/XX/XXXX and it would be 7-10 business days until we received it XXXX XXXX I called and told the automated service I wanted to speak with a representative and it asked why. I stated I wanted a refund of my overpayment and was then put through to a rep. who told me that since I had requested a refund through the automated system, it would take 7-10 days to be processed. 
I have clearly been lied to multiple times and I fear that it will be ages before I get out money back. 
Please note they charge 28.99 % on cash advances. 
Please help
Product: Payday loan, title loan, or personal loan

affirm has charged my card {$150.00} down payment on a loan through XXXX pay. Its been XXXX weeks. Ive sent countless emails and been in live chat XXXX times. They wont refund my money. Ive sent proof from merchant that order was never processed. They wont reply to merchants attempts to reach out. Its like nothing Ive ever seen. I want money returned to my card. Im XXXX and about to seek attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XXXX. XXXX. 2021 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir or Madam : As of XXXX. XXXX. 2021 it is still displayed on all three of my credit report files, TransUnion, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX XXXX WITH NO Account number XXXXXXXXXX with a balance of {$93.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XXXX XXXX, 2021. Please reinvestigate this matter and delete the disputed item as soon as possible. XXXX, XXXX, XXXX, XXXX, XXXX. 

Sincerely, XXXX XXXX, Thank you
Product: Credit card or prepaid card

I applied for and was approved for Citi American Airlines credit cards. I fulfilled the promotional spending terms of the offer and Citi awarded me those miles. However American Airlines confiscated those miles and terminated my account citing the miles were obtained fraudulent. They cite a 48 month eligibility restriction on getting those miles but no eligibility restriction in the terms and conditions existed nor existed in the application page terms and conditions. They claim Citi had those promotional offer restrictions in the header of the application page but that is false. The imply or insinuate that Citi is the one that is behind this deceptive, unfair and unreasonable action and confiscation. Citi vetted and approved my applications and I fulfilled the terms of their offer therefore this amounts to a deceptive bait and switch. No such 48 month eligibility bonus restriction language existed and this allegation is completely false. 

I am asking for citi to confirm that this 48 month eligibility restriction language did not exist and that earned miles were legitimately earned. Futhermore I would like citi to either provide me with the miles or monetary equivalent and/or compel American Airlines to reinstate my account and miles.

Regards XXXX XXXX AA Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I went into XXXX XXXX in XXXX, Mo to buy a car. I had brought along a pre approval from XXXX XXXX XXXX XXXX and told the car salesman that I wanted my loan through XXXX XXXX. I picked out the car I wanted, and he took all my paperwork to the Finance Lady. She had my paperwork for over 45 minutes and did not talk to me until after she had ran my credit. She ran my credit for Wells Fargo, XXXX XXXX and XXXX XXXX. After I had given them a letter for pre acceptace from XXXX XXXX. I did not authorize them to try to get me a loan through either XXXX XXXX or Wells fargo, and I was not asked if they could. I wanted XXXX XXXX and I had made that clear with the sales guy. I will Never deal with Wells fargo, and had they actually asked me instead of doing whatever they wanted, ( after I gave them the Pre approval and made it clear I wanted only XXXX  ) I would of told them I would never deal with Wells fargo. I have tried to get them to delete the hard inquiries made by these 2 compaines but they refuse to. I have already filed a complaint with the XXXX and still they refuse. These are 2 hard inquiries that should never of been on my credit report, and I want them taken off. Thank you
Product: Checking or savings account

I tried to open a bank account and was denied because of my file with XXXX and chase bank. I have never opened a chase checking account. I am requesting that chase send me the original application for this checking account that shows my wet signature. I am requesting that this account be closed and removed from my XXXX report. this account is a identity theft. 

I am unable to open a checking account and was denied access to a loan for {$8000.00} based on my XXXX report.
Product: Student loan

I dont understand how my private loans 2 weeks ago had a balance of {$100000.00} And today it is at a balance of {$110000.00}. I dont understand, and furthermore, I dont understand why my son was made a co signer when he was never listed on the website and when I asked that he be removed, he was then added to website. I placed a complaint a while back about this. Im not satisfied with this response since there is already a primary co signer to this account, XXXX XXXX. Even though my payments have not been late for the past 24 months, I have not been able to remove my son, XXXX XXXX. The reason is because Im paying the interest off. I am sorry, but currently that is all I can afford.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding fraudulent items on my credit report. Despite my persistent efforts, I have been unsuccessful in having these fraudulent entries removed. 

I have diligently followed the proper dispute procedures on multiple occasions, providing all necessary documentation to substantiate my claims. Unfortunately, these fraudulent items persist on my credit report, adversely affecting my creditworthiness and causing significant distress. 

I understand the importance of maintaining accurate and reliable credit information, and I am relying on your expertise to address this matter urgently. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I kindly request that you conduct a thorough and expedited investigation into the fraudulent items on my credit report and take immediate action to remove them. I have attached supporting documentation to facilitate your investigation. 

I expect a written response within 15 days, as stipulated by the FCRA, detailing the results of your investigation and the actions taken to correct the inaccuracies. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00}.
Product: Debt collection

I spoke to OneMain financial on Friday when they called my desk line at work. I advised them that my work situation had changed and could no longer have calls at work. I made arrangements to contact them the following week. 

The loan was taken under predatory conditions. I went to them originally to get an extension, as my husband has recently become XXXX. Instead, they talked me into a {$10000.00} loan that I can no longer afford
Product: Debt collection

On XX/XX/2022 I noticed my credit rating had gone down over XXXX points. In looking at XXXX, there was a {$3500.00} " collection '' added to my report. This is NOT MINE. I have no idea what this debt is. We pay our bills every month and up until then had excellent credit. It says the original creditor is XXXX, a company I have NEVER even heard of let alone done business with. 

I disputed this with XXXX and within a few hours they said they " verified '' the debt with CONSUMER ADJUSTMENT CO and they closed my dispute. 

THIS DEBT IS NOT MINE. I've never had any outstanding debt. I've never worked with these companies. I am being targeted and neither this scam company or XXXX will do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX  ) -name as reported on my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( THEIR METHOD OF VERIFICATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING LATE, WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX  I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED. 

If this account is not deleted from my credit report within 30 days I will be visiting my nearest small claims court & I would be seeking a minimum of {$1000.00} in damages PER violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Each of you will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting or other personal consumer reports

I hereby dispute the validity of this account in its entirety and demand the following.

1. Proof of Licensing : Provide documentation demonstrating that your company is licensed to collect debts in the state of FLORIDA.

2. Validation of Debt : Provide full validation of the alleged debt under 15 U.S Code 1692g of the FDCPA, including the original creditors name, itemized detail of debt, and evidence of my liability for the debt.

3. Cease and Desist : Until you provide the above documentation, you must cease all collection activity, including reporting debt to credit bureaus, under 15 U.S. Code 1692c.

Be advised that attempting to collect a debt without the proper license is a violation of STATE and FEDERAL LAWS, and I will not hesitate to file a complaint with the XXXX XXXX XXXX XXXXXXXX XXXX, the FEDERAL TRADE COMMISION { FTC } and the Consumer Financial Protection Bureau [ CFPB ] if this matter is not resolved promptly. I also reserve the right to pursue legal actions for damages caused by your unlawful collection practices. 

Please consider this a formal request for all communication regarding this matter in writing. Any further attempts to collect without appropriate licensing or validation will be reported as harassment. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I expect a response within 14 days of receipt of this letter. 

Thanks for your prompt attention to this matter.
Product: Credit card or prepaid card

Ought a Vanilla gift card for XXXX XXXX  and can not activate it because there is no 3 digit code on back of cardhave been calling the company since XX/XX/23 and they have only lied to me and will not return my XXXX XXXX that they stolethey keep saying they dont have a resolution yet and keep lyingI have had to resort to cont my attic for help but now they will not even give me the contact info for a manager. ZI have been put on hold many hours and been hung up on repeatedly this scam of a company needs to be closed down by the Federal Government!!