23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX a security instrument was given to HUD ( via XXXX XXXX XXXX ) in connection to my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The security deed was previously serviced by XXXX on behalf of HUD until it was transferred to Rushmore Loan Management Services as evidenced by a letter dated XX/XX/XXXX. In XXXX, I corresponded with Rushmore Loan Management Services in order to secure a payoff of the primary loan and any subordinate instruments associated with my home. I was given a figure and paid that amount. Until XXXX of XXXX, I took for granted that RLMS had sent XXXX release paperwork to my XXXX. Upon my attorney 's research into the title, it was discovered that the smaller security deed was never released, although RLMS shows the balance on that instrument to be XXXX. In XXXX of XXXX I began to inquire about a resolution with RLMS. The result has been disastrous. RLMS has not been responsible in following up with me on this matter which has been unresolved for almost two months. The latest information they disclosed to me is that they have sent some unidentified information to HUD and that HUD responded with unidentified questions for RLMS. I can not get a clear answer to my inquiry. In the meantime, {$4400.00} is being held in limbo during a home sale process. This is money that I need and can not access. I filed a complaint with HUD and am now doing so with you. I can not reach HUD to inquire and am left thinking that something is amiss with RLMS. I have no recourse of action as RLMS will not connect me with their lien release department, nor will they connect me with someone who can answer my questions. The original XXXX case XXXX on the instrument is XXXX ( this is a Georgia subordinate security deed : HUD instrument XXXX. The number XXXX assigned to the deed was XXXX. The loan number that RLMS assigned is XXXX. I need some pressure to be applied to RLMS to reveal what is really going on. Thank you.
Product: Mortgage

After my loan was sold to PennyMac Loan Services from XXXX my monthly payment went up. I was provided with an Escrow Analysis from PennyMac and after I reviewed it I realized they make ridiculous projections in order to squeeze money out of the consumer. They had my city tax at projection less than what the previous year was. And they had my county tax projection at a 182 % increase. You would think a company who services mortgages would know how to do a proper analysis ( a simple XXXX search of my county of even using a state average would seem plausible and reasonable ). I called to get it adjusted to a proper and reasonable amount using actual data of previous tax year paid but you get connected with a customer service rep who is not qualified to deal with or understands an escrow account. And forget about speaking directly to someone within the Escrow department. After I did some research and found out that an escrow account is not required on my loan ( VA Loan ) or within any of my mortgage paperwork stating it was required I called them to cancel it. I was told they would submit a request and a approval/denial letter would be sent in the mail. The letter came as a denial due to two reasons ( 1.FICO score too low and 2.LTV ratio not met ). If they are going to make up policies and deny my request it should come with a copy of said policy. I called them again to see what either of these things have to do with me cancelling my non-required escrow account and was told it was due to the policies of the shareholders. Makes sense to me, they are a publicly traded company and focused on greed and profits. None of my paperwork states that I have to meet either of these requirements to cancel my escrow account. To further show proof they are incompetent ( or willfully increasing customers escrow account on purpose ) I switched my homeowners policy and was sent a refund of over XXXX XXXX dollars. I was told this money would need to go back into my escrow to cover my new policy being paid ( but it didn't have to be sent because of their unscrupulous business practices ). I had plenty in my escrow because I have been overpaying them to begin with.
Product: Debt collection

I XXXX XXXX, asking for verification and validation on this collection account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/2023 Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : [ Your Account Number ] Amount : {$630.00} Original Creditor : XXXX XXXX  XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt listed on my credit report under the account number mentioned above, with an outstanding balance of {$630.00}, last reported on XX/XX/2023. The original creditor for this account is listed as XXXX XXXX XXXX. 


Upon reviewing my credit report, I noticed discrepancies in the reported information, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to dispute the accuracy of this debt. 
I request that you provide me with detailed information regarding this debt, including : 1. Verification of the debt amount and its calculation.

2. Documentation proving that you are legally authorized to collect this debt.

3. Verification of the original creditor, XXXX XXXX XXXX. 


I understand that debt collectors are obligated to provide accurate information, and I believe that this debt may not be entirely valid or accurate. I am requesting a thorough investigation into this matter and prompt resolution. 


In accordance with the Fair Credit Reporting Act ( FCRA ), I also request that this account be temporarily removed from my credit report during the investigation process. I expect this dispute to be conducted within the legally mandated timeframe. 


Please provide a written response to this dispute within 30 days of receiving this letter. If you are unable to verify the debt 's accuracy, I request that you promptly remove it from my credit report. 
Thank you for your prompt attention to this matter. I look forward to receiving a comprehensive response. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I applied for an auto loan on XX/XX/2019 and received one through XXXX. I am not happy and have been having trouble ever since. The interest rate I received is the highest I have ever have, and I dont believe it was fairly done. Since day one I have been making payments greater than the amount due. I have called in several times, asking that the extra amount be put towards the payment and NOT towards the interests and yet it seems as if all my payments are still going straight towards the interest. I have also received statements where it shows on two occasions where a payment was posted then reversed, and reposted again. I am not happy with how the company is handling my account. I think I should be looking into refinancing with another company because I dont feel I am getting what I should be and my credit it high so I would understand a high interest rate for bad or low credit but mine is not.
Product: Credit card or prepaid card

I was approved for a XXXX XXXX XXXX card with a {$22000.00} credit line. I have 50 years worth of credit and a profitable XXXX XXXX with a good credit score. I was granted the credit and after a couple of purchases my card was flagged as FRAUD. I have made several attempts to confirm my identity but Citi 's computer knows me better than I know myself I guess because I was advised that I was not me. I advised in a previous CFPB complaint that the due diligence on confirming my identity should have been done prior to approving me. In an effort to protect my identity, CITI has breached my privacy. I currently reside in XXXX XXXX. I have transitioned my home and business to the address that I used to apply for this card. As part of citi careless investigation, Citi sent a letter of potential fraud to my XXXX XXXX address. As part of this application, I did not disclose or agree to for mail to be sent to the XXXX XXXX address. If my credit file was reviewed, you would have noticed that the XXXX XXXX address is part of my file history for over 3 years. The letter that was mailed to that address was received by my ex wife who was not part of the credit application. Citi has violated my PRIVACY and should not use a COMPUTER to determine a persons identity. If they have a problem with identity theft, they need to have stricter purchasing policies. I was granted credit and then a fraud alert was added on my card for no reason. I have attached my DL to validate my identity. I will tell everyone I encounter that CITI is a fraud and they will violate your privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report, and to my dismay. The original accounts were transferred, charged off/ sold, and I am no longer responsible for the account. Debtors ' creditors did not verify this collection. Also, there was no written form of communication, contract, or signature for this debt. A bill without a signature does not validate. According to the FCRA, XXXX XXXX  has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

im tired of explaining and consumer finance. gov is just as negligent as equifax. im fed up And feel I have grounds to file suit for negligence along XXXX  damages for not fixing my credit resulting in my loss of a vehicle plus nemerous othrr costs. i have a company trying to unravel equifax failure to report timely XXXX  accurate info and theve informed me its been over a yr since they reported and thats incorrect information. who do i contact to to pursue a suit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies and let them know that the account from XXXX XXXX they're reporting is inaccurate and it shouldn't be there. I have proof that the account is not mine and it has to be deleted from my credit report. Below is a letter that shows what I'm writing is true. I have been trying to resolve this matter since 2021.
Product: Credit card or prepaid card

Online order from XXXX for the amount of {$100.00} on XX/XX/2021 WAS NEVER RECEIVED. I have called numerous times to advise Credit Card company as well as merchant. CC continues to charge me for an item never received.
Product: Checking or savings account

For the last two months I have been trying to access my life savings which is with Citi Bank. The refuse to help me and tell me my account is inactive and to send in a notarized form to request my account be re-activated. I sent a certified letter tracking # XXXX via USPS. I confirmed with Citibank that they received the request and my account was active. I attempted several times to initiate a transaction via ATM debit and online transfer. When I call the customer service line I receive conflicting information from every agent I speak to. At this point I want to close my account and want my money back. Citi is holding {$280000.00} of my life savings hostage and won't provide a digital means of reinstating my account. Citi does not have any branches locally in XXXX or XXXX Texas. When I call the toll free line they send me to an offshore call center and the customer service is way below standard of a bank of this size. Please help me I'm desperate to get my money back.
Product: Credit card or prepaid card

I was denied credit but under 12 CFR 1002 regulation B of Equal Credit Opportunity Act.I thought I cant be discriminate against under the following reasons that are described in that act. But I feel as if I was discriminated against. Under this law Im not supposed to be denied credit if a credit transaction took place. So now I am discouraged about applying for anything else. So I dont feel like I was protected during this credit transaction that took place. Also they used Consumer Reporting Bureau I have no knowledge of this Bureau.
Product: Checking or savings account

On XX/XX/XXXX I woke to find my account in the negative. Citizens Bank was apparently having an issue in which transactions posted on XX/XX/XXXX repeated on XX/XX/XXXX. I received a text telling me my account was overdrawn when I should have had a positive balance. I had no access to my money for the duration of the day. 

I called the holder of my car loan looking for answers on why they took another payment. They did not. I called my local branch who seemed unaware of the issue. 

By XXXX XXXX  the funds started to be returned. Only on XX/XX/XXXX did they send an email advising of the issue. 2 days after the event. 

My bank statement reflects these erroneous overdrafts. They shut down my debit card claiming fraud. The only fraud is their own. 

I would like their records to accurately reflect what occurred was not my doing but their own.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN REFUSES TO INVESTIGATE MY PUBLIC RECORD XXXX XXXX AND XXXX HAVE NO RECORDS OF ME EVER HAVING A COURT FILED XXXX XXXX THIS FILING WAS MADE IN ERROR AND WITHDRAWN CASE NUMBER XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Bank of America XXXX XXXX Signature edition credit card. I did so because I wanted to receive the benefits that were outlined in the offer ( e.g., miles, companion ticket, etc. ). I was immediately approved and was informed I could begin using the card, which I did ( spent over {$1000.00} ) to meet the requirements for the miles. <P/>Upon receiving the credit card in the mail, I called Bank of America to ensure that I would be receiving the airline benefits, because they ( miles, ticket info ) were NOT outlined in the paperwork I received with the card. They told me I needed to contact the airline to find out that information. I called the airline, and they told me they did not have access to that information and that the awards would be issued after my first statement ( since I already spent the required amount ). <P/>Approximately one month from when I applied for the card, the first statement was issued, I checked my account online. In reviewing my account, I noted that I did not receive the miles I was expecting, but rather only a small portion of that amount and no companion ticket. XX/XX/XXXX I called both the airlines and Bank of America, and was informed that I was not approved for the " signature card '', even though I have a excellent credit score ( about XXXX ) and my $ XXXX mortgage has been with Bank of American for the past 7 years ( always paid on time, no issues ). I was approved for a different credit card, 'platinum ', that was not eligible for the same benefits. <P/>I requested that they change my account to the 'signature ' edition, but they told me that even though I would be eligible for the signature card, I was no longer eligible for the airline benefits that came with that card because I was already issued the 'platinum '. <P/>Bank of America needs to be more up front about their different card options, which one someone is receiving and benefit differences, and people should be able to apply only for the Visa Signature edition. If this is not resolved, I am going to cancel my credit card with Bank of America and change my  mortgage to another institution.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report which caused XXXX XXXXXXXX upon me. I discovered unverifiable, invalidated, inaccurate and questionable items on my credit profile ; and Equifax didn't ensure these accounts were reporting 100 % correct. Equifax has continued to show no regard for and disrespect for the law.

In accordance with the Fair Credit Reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Equifax stated that the accounts listed below were properly investigated and came back as verified ; however this is clearly not true when their are several inaccuracies showing on my report! 

As a consumer, I would like to know all the steps this agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure. 
( XXXX ) This account is not accurate ( XXXX XXXX XXXX XXXX ) This account is not accurate ( XXXX XXXX XXXX  ) This is also completely inaccurate. XXXX XXXX XXXXXXXX ) This is not accurate. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX this
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts made with various forms of correspondence including notarized affidavits, police reports, and letters have been sent through certified mail and faxed to Transunion Credit reporting agency. In addition, a letter requesting proper debt validation due to identity theft was received on XX/XX/XXXX17 @ XXXX by Transunion XXXX Transunion is in violation of the Fair and Credit Transaction Act by not honoring valid police report 's and has yet to provide 100 % accurate debt validation in lines with the FCRA. Transunion appears to only be utilizing the e-oscar verification process for fraudulent account verification. I am willing to move forward with a consumer attorney for a resolution if im unable get this issue resolved.
Product: Checking or savings account

I purchased concert tickets on XXXX XXXX for a concert in XXXX, PA. The concert tickets were oversold and I was never able to attend the concert. I have a ticket with a XXXX code that can show proof that I never entered the concert. I have contacted PNC Bank multiple times about disputing the charge and they have done nothing to help me in the process. XXXX XXXX is who the tickets were purchased through and I believe it was fraud.
Product: Consumer Loan

When my vehicle lease was coming due, I requested a copy of the contract the leasing company had, and I was shocked to find that it was not the contract I had signed. I 've compared both and its apparent that my signature and initials are forged on a contract I did not agree to. I disputed the charges and the leasing company agreed to lesser fees, but they left a derogatory item on my credit, making my credit score plummet. It is unfair that a contract I agreed to was discarded and a forged one was submitted - and instead of those responsible suffering, I 'm the one who suffered. Please help.
Product: Credit card

Lost my card and there was unauthorized charge of {$500.00} from XXXX. Issuer denied my claim due to similar charges I had on it before. I buy giftcards at XXXX every month and pay my bills every month. So why will I suddenly make a fraud claim for that charge?
Product: Debt collection

Diaz & Associates XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : XXXX XXXX account XXXX This is an attempt to collect on a time-barred debt. This debt has passed the statute of limitations in Texas and can not be pursued. They are trying to " resurrect '' it by sending this debt collection letter ( dated XXXX XXXX, XXXX ). This debt is from XXXX. After receiving the letter, I was shocked to see I owed money. I know I am up to date with all my loans and credit cards. So I called. Once they verified who I was, that's when they told me it was a debt long past the statute of limitations. I am concerned that by using these deviant tactics, they are trying to threaten me with ruining my credit by re-instating a debt that can no longer be pursued.
Product: Student loan

Today, I contacted MOHELA as they are showing I am delinquent on my XXXX payment. Per the United States Department of Education, the loans were forgiven under PSLF as of XX/XX/2024. I am a federal employee and have served the government for 20-years. When I phoned Mohela to learn when they would update my records and report it to the Credit Bureau, MOHELA rep XXXX was extremely rude and hung up on me. I was on hold for 4-hours only to be hung-up on! Mohela has extremely unprofessional staff and they are of little to no assistance. I hope this complaint will resolve my problem and others who have to deal with this substandard federal contractor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have an account with any of these companies or never applied for an account with these companies. it is affecting me from getting a small business loan for my business. XXXX XXXX XXXX XXXX is unknown to me i been trying for years to have it removed after my ftc case in 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

OnXX/XX/2019, I was a victim of credit card fraud. My cards were used while I was at an adult establishment and charged for outrageous amounts with outrageous gratuity amounts added on to the purchases without my authorization. A police report was filed against the merchant and an affidavit stating I did not authorize those purchase and the handwriting on the receipts are forged were submitted to American Express as evidence. The total in charges on two of my american express cards was over {$70000.00}. On multiple occasions the American Express fraud team told me in writing that the fraud case for these charges was closed in my favor and I would not be responsible for any of the charges. However, out of the over {$70000.00} in fraudulent charges American express only credited my account {$13000.00} and now states that I will be responsible for the remaining balance. American Express states that because I was present at the time the cards were being used it can not be considered fraud which is contradictory to Florida Statute 817.61, which states " A person who, with intent to defraud the issuer or a person or organization providing money, goods, services, or anything else of value or any other person, uses, for the purpose of obtaining money, goods, services, or anything else of value, a credit card obtained or retained in violation of this part or a credit card which he or she knows is forged, or who obtains money, goods, services, or anything else of value by representing, without the consent of the cardholder, that he or she is the holder of a specified card or by representing that he or she is the holder of a card and such card has not in fact been issued violates this section. '' Nowhere in the statute does it say that the cardholder must not be present for fraud to occur. The fact that the charges were made without my knowledge and the receipts were forged is more than sufficient for these charges to be considered as fraud. In addition to the fact that these receipts were forged, all of the charges occurred after the legal operating hours for an adult establishment in XXXX XXXX County and documentation of such was also provided to American Express.