23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

After reviewing my XXXX Credit Report, on XX/XX/XXXX I realized then that I had been a victim of the Identity Theft. I did not apply for a Citi Cards CBNA Credit Card Loan. The account had to be fraudulently opened on XX/XX/XXXX. I suspect the perpetrator had forged my signature and used my personal and confidential information. 
I filed the Identity Theft report with the Federal Trade Commission XXXX FTC ) Identity Theft Bureau and reported the identity theft to the XXXX XXXX Sheriff Office XXXX XXXX XXXX. I have swiftly complied when Citi Cards CBNA representatives when asked for information. I have provided my email address, proof of identity, telephone number and home mailing address. I have provided carbonless check stubs that were fraudulently made out to Citi Cards. I have provided samples of the suspected perpetrator signature and location of the same. 
I have sent Citi Cards CBNA Services three letters requesting information pursuant to section 609 ( e ) of the Fair Credit Reporting Act. ( 15 U.S.C. 1681g ), California Financial Code sections 4002 and 22470, Civil Code section 1748.95 and Penal Code 530.8. Also included in the three letters I had provided the following : FTC Cover letter, FTC Identity Theft Report, proof of my identity, FTC Notice to Furnishers of Information, XXXX  Victim release form titled Identity Theft Victims Request for Fraudulent Transaction/Account Information ( Form A ), XXXX XXXX Sheriff Incident Report, and a separate document ( Attachment A ), detailing requested information on the fraudulent account. 
After 30 days, Citi Cards CBNA had only sent statements dating back to XXXX of XXXX but no documents dating back to XX/XX/XXXX or anything with my signature. On XX/XX/XXXX the Citi Bank representative informs me that Citi Bank CBNA can not give me the signed application. Citi Customer Services has ignored my three requests for documents and refuses to make reference to the XXXX  criminal case number in any correspondence they have generated. Citi Bank Services refuses to comply with the request for information that I am lawfully in my right to request.
Product: Mortgage

Quicken Loans used misleading tactics to attempt to have me sign an intent to proceed. Without prompting and months from expected closing date from a new construction home, I was contacted and told a few details about a loan estimate. However, most of the focus of the conversation was focused on signing documents within the next couple of hours and sending documentation to continue moving forward with the process. I did not know what that really meant, but when sent the information, I looked up what an Intent to Proceed meant. I clearly was not ready for this as I had not even received other lender 's loan estimates nor was I ready to start paying fees so far from being able to lock in a rate or close on the house. I told him as much, and the response I received was : " I 'm not too sure I know what you mean at not wanting to proceed. Even though the home is n't constructed yet, the most prudent thing to do would be to make sure the loan is approved through the underwriters and to lock in the credit I was able to get for you. What is your concern? '' This is clearly deceptive and unethical. No further response was received after I made it clear that " to lock in the credit '' was clearly not able to be done, that I did not want to pay fees so far out, and that other lenders wanted to give a more fair loan estimate at a date closer to locking in rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX .... Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$87.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$45000.00} XXXX U.S. DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

On XXXX/XXXX/2016 I made purchased a furniture set for roughly {$1000.00} on Kohls.com. This order number is XXXX. 

My formal complaint is regarding their credit card marketing and the misleading approach that they use. I had planned to use my XXXX XXXX yesterday and when I submitted all information in the ordering process a pop-up window appeared. I was on the very last submission page about to click " submit and finalize order. '' This pop-up says, " Apply for a Kohls charge card and you can save 20 % on this order! '' My order totaled {$920.00}. I am not XXXX to take out credit cards, but this was enough of a discount that I thought it would be a good idea. I had used a coupon code prior on the site, but it says under promotion codes you can use up to XXXX. I also looked at the fine print ON the pop-up ad and no where led me to believe I could n't use the discount especially since they already had all of my order information. I moved forward with the application process to be approved. As soon as I went back to the submission page and submitted the order I realized it had not taken 20 % off additionally. I called customer service and they told me that it was due to me having a discount already. I see this as nothing, but a misleading marketing ploy and they even agreed on the phone that it could be misleading. Even though they seemed somewhat sympathetic to me they were not willing to return my grievance of 20 % ( {$180.00} ).
Product: Credit card or prepaid card

On XX/XX/2022, I was upgraded from a secured Discover Credit Card to an Unsecured card. I had initially put in a deposit of {$200.00} dollars was scheduled to be mailed the deposit via check within a month. It hadn't arrived the first time it was " allegedly '' sent out, or the XXXX. By that time I had asked for it to be sent electronically and Discover assured me they would in about 10 days time. A month has gone by since then I still haven't received anything.
Product: Mortgage

Homebridge Financial Services did not pay my home insurance payments, even though they are legally required by FHA regulations. I first called them in XX/XX/XXXXand asked why my home owners insurance had not been paid, they told me that I didn't have an escrow account to insurance, even though its a legal requirement of a FHA loan, they even told my insurance company that the payment was not escrowed as well. After Homebridge corrected the original issue of not paying insurance, they got a hold of my provider, and mailed a check. apparently the check was not received or refused. Instead of notify me, they did nothing, allowing my insurance to lapse. Homebridge then sent me a fine for the lapse of coverage, which they are the cause of.
Product: Credit reporting or other personal consumer reports

In accordance to the fair act XXXX  account : XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights 15U.S.C1681 sec 602a states I have a right to privacy 15U.S.C1681 sec 604 sec 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the consumer reporting agency Experian in XXXX of 2022 requesting a reinvestigation of several accounts. I was sent a letter to saying they do not need my consent to furnish anything on my consumer report and listed the accounts as verified. Consumer reporting agencies need consent to furnish a report pursuant to 15 usc1681b ( a ) ( XXXX ) .No consent is identity theft. They also violated my right to a description of procedure to determine accuracy and completeness pursuant to XXXX usc1681i ( a ) ( XXXX ) ( B ) ( XXXX ). There are also several accounts that have been charged off and are older than 7 years which is a violation of 1681c ( a ) ( XXXX ).
Product: Mortgage

This is another concern with my Wells Fargo Modification Agreement, copy submitted in CFPB case # XXXX on XX/XX/XXXX. 

My Wells Fargo case person for this modification was XXXX XXXX, that required I remove my brother from my deed, which was only beneficiary reasons, being widowed and XXXX, and fax a recorded copy through a WF branch, before any Loan Modification agreement could be done. I did this on XX/XX/XXXX see att 'd. 

When this Modified agreement came with my brother name XXXX XXXX on it, I contacted XXXX, he stated their was n't enough time to resend to meet the XXXX XXXX deadline. Agreement dated XXXX XX/XX/XXXX sent via mail to me told not to sign and returned Mail Workflow show XXXX XXXX. He said his name would be automatically dropped with the Quit Claim Deed recorded XX/XX/XXXX 

This has never happened, and know XXXX in Payoff or Preservation over the four ( 4 ) years have been able to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

7. The status is incorrect for the following account XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

8. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

10. The following account is not mine XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I started the process to remove my PMI with a phone call to UWM XX/XX/2023. While on the phone with them I sent in the faxes they requested to have my mortgage insurance removed. I also followed the steps on their online portal while on the phone with UWM. Then XXXX XXXX I called them again to complain about the lack of follow up, they said they would send me documents in the mail and did not. Then they directed me to the portal where I found a document telling me I needed to order an appraisal through them to get the value of my home so they could verify that I can remove my mortgage insurance. Then I requested to order the appraisal an the fax number they gave me did not work and then I had to call back to get a functioning fax number to the PMI department because you can only communicate to that department with fax and they do not take calls. Then I get a different document in my portal saying that i do not qualify to have my PMI removed. Which i know, thats why i need to verify with an appraisal. But they will not allow me to order the appraisal with them and just keep requesting more information about the property and giving me the run around making it incredibly difficult to have it removed. There is no guidance to the process at all and the keep dragging it out and to this day they will not simply send out the appraiser, which I will pay for, to get a value on my home to have my pmi removed. I believe this is because I am a loan female on the mortgage and that they are trying to take advantage of me on my first mortgage loan.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. Based on this account they only added or removed information on the payment history portion as shown. This is all incorrect.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Credit reporting, credit repair services, or other personal consumer reports

After having to make the terrible decision to allow two credit cards to go to charge off status to cut off the incredibly damning interest rates and because they would not work with us on a plan with a reduced rate, I am being reported by XXXX and the other credit reporting agencies as having 27 charge-offs by XXXX XXXX and 22 with XXXX XXXX XXXX. 

There was one charge-off for each, and subsequently, I came to a payment agreement with both. I have been paying as agreed but they report a new charge-off every month. I am told that I can stop paying and then they must stop reporting. This is crazy. If you confirm that the reporting is right, then I will have to seek other action. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX Equifax please remove these creed if inquires of my credit report they are fraud I will list the inquires, I am dealing with a fraud resolution specialist because my identity has been stolen and used and please DO NOT PUT a fraud alert on my report period just remove the inquires XX/XX/2022 XXXX XXXX XXXX XXXX XXXX I will provide letters from the fraud specialist and attached these letters to each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXX GA XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX   XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX   XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX OH XXXX I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!
Product: Debt collection

My original letter to CBCS on XXXX/XXXX/16 acknowledged their your demand for payment in the amount of {$470.00} on behalf of XXXX XXXX XXXX XXXX. 

They provided no information about this account. I demanded " that you provide the following information to me within 14 days, otherwise under the provisions of Public Laws XXXX, also known as the Fair Debt Collection Practices Act, that you and your organization must CEASE & DESIST all attempts to collect any and all debts. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Maryland XXXX 
Provide details regarding this account : 1. Property address 2. Dates of service 3. Complete payment history 4. How this amount is calculated 5. Proof that this is in fact my personal debt, rather than that of a business entity. This proof must include any and all signed documents by me assuming personal responsibility. " I never received a reply until a letter dated XXXX XXXX, 2016 which is the exact same demand for payment/settlement with no evidence that this is my account.
Product: Debt collection

The company has sent me a letter by mail for the estate of my father. They sent a copy of the letter to the probate attorney. I have no personal connection to any of his debts, so they need to stop harassing me. 

On XX/XX/22, they called me. I have previously told them to stop calling me, but now they are harassing me. I did not save the date of the last phone call attempt.
Product: Mortgage

Mortgage Electronic Registration Systems ( MERS ), Bank of America ( BOA ), and XXXX  ( Servicer ) have executed fraudulent assignment. 

2. XXXX XXXX XXXX assigned its interest to BOA on XX/XX/XXXX 3. BOA assumed the assignment XXXX ( Loan was paid thru XXXX, XXXX closed XXXX, BOA & XXXX have no history of payments etc. 

4. ( Fraud ) MERS reassigned BOA thru erecording on XX/XX/XXXX ( no book #, no page #, and original mortgage payments never applied to a reduced amount. ) 5. These companies have " no standing '' to enforce a lien on my property XXXX XXXX XXXX, XXXX, PA XXXX. 

6. PA statue of limitations due apply, if this assignment have any merit. 

MERS and Bank of America continue to deny me information referencing these outdated liens/ assignments that are not present on my property deed nor credit report.
Product: Credit card or prepaid card

I was given a {$50.00} XXXX XXXX XXXX on XX/XX/XXXX, for Administrative Assistants day, Upon activation of the card in early XX/XX/XXXX, I was told the card was worth about {$22.00} because of administrative fees. The back of the card states that fees would begin with the XXXX month of card issuance. Since I had the card for less than a year, I feel the company has stolen {$31.00} from me. 

I used the card on XX/XX/XXXX, when the full value was {$19.00}. Additional fees had been deducted because I telephoned the company with questions.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account 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 XXXXXXXX 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 a 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I requested original documentation from these companies reporting this inaccurate information on my credit report .No response was provided.

They have violated my rights 15 USC 1681 c ( a ) ( 5 ) Section States -No consumer reporting agency may make any report containing any of the following items of information [ Any other adverse item of information, other than records of convictions of crime, which antedates the report by more than seven years }
Product: Debt collection

I have an unverified account from KOHLS/CAPONE. I had previously disputed this account. I have never done business with KOHLS/CAPONE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that KOHLS/CAPONE Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that KOHLS/CAPONE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.