23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 
5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this accountInstructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief. 
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms. 
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules. 
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of 1997 and the Administration of Justice Act 1970 which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX  credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

Ive been a Citi XXXX XXXX Card holder since XX/XX/2002.

My APR has been 29.99 % since XX/XX/2009 EXCEPT XX/XX/2015-XX/XX/2016 AND XX/XX/2016-XX/XX/2017 when I REQUESTED, and was given a rate reduction to 15.99 %. After those time frames, the rate was again INCREASED to 29.99 %.

I requested a rate reduction in XX/XX/2019. The rate was lowered to 28.24 %.

After I complained, I was advised, " Because we value your business, we have applied a promotional purchase rate of 10.99 % to your account for XXXX   months. '' In XX/XX/XXXX/XX/XX/XXXX of this year ( XX/XX/2018 ), several national publications ( XXXX, XXXX XXXX, XXXX, WXXXX XXXX XXXX, and others ) published, Citibank is voluntarily sending credit card customers a total of {$330.00} million ; " A bank paying its credit card customers instead of the other way around. On Friday, Citigroup announced that it would issue refunds to some XXXX million credit cardholders who had been charged interest rates that were too high '' ; Citi to Refund {$330.00} Million in Card Charges Due to Interest-Rate Problem -Bank failed to lower card rates as required by law ; says XXXX   million accounts were affected and Citi said the issue affected around XXXX million U.S. credit-card accounts over a period ranging from XX/XX/2011 to XX/XX/2017. Some of those accounts received smaller rate reductions than they should have, while others didnt receive any reduction.

I have REQUESTED and received interest rate reductions XXXX since XX/XX/2015. When I requested the reduction last year, I was told I would receive it for XXXX months after which Id have to wait XXXX   months to request the reduction again.

Based on my experiences, I believe that CITI has a stated policy that the customer could receive a lower rate for XXXX months, after which the customer has to wait XXXX months to again request a lower rate. This is a bit different from what the Citi claims.

The bank proudly informed the public that it had " self reported '' the error and would make refunds in the second half of XX/XX/2018.

Since XX/XX/XXXX, I have made several attempts to contact the bank and have received no response. ( XXXX XXXX, Executive Response Unit, XXXX ) I believe I have been overcharged on interest for the years XX/XX/2011-XX/XX/2018 and that I am entitled to adjustments to rates of 10.99-15.99 % for those years. I have the statements for that period of time to document the interest rates charged. ) As Citigroup PUBLICALLY announced ( self-disclosed ) their error and corrective actions, they should be equally transparent with their resolution of the error.
Product: Mortgage

Applied for the ARM XXXX mortgage with HomePoint Financial through XXXX who works with many lenders. I was supposed to close on the mortgage on XX/XX/2022. I had submitted every single requested documentation and I was told by my contact at XXXX everything is good to go. On XX/XX/2022, 2 days before we were supposed to close, XXXX came back saying they didn't have all the documentation and that I did not have the full amount in my checking account that would cover the closing costs. This is absolutely incorrect because I had submitted my transaction history and it showed that I had the money to cover the closing costs. My house as also closing on the same day so my contact at XXXX came and said we need to wait until my house closes and get the money to show that I do have the money for the new house. This process took 1 week to complete. The new owner of my old house charged me {$100.00} per day to stay in my old house until I closed with the new house with XXXX. I had change all my scheduled dates for everything. The movers I hired could not change it until the following Friday, XX/XX/2022. It cost me {$1000.00} total to stay at my old house until I could move into the new house. I hold both HomePoint and XXXX response for the additional undue cost that I had to pay because they did not do their job.
Product: Debt collection

Received a robocall from " XXXX '' saying he was going to deliver a summons in the next 24 hours and to be available with XXXX forms of ID, etc and to call XXXX. I called. Spoke to XXXX, from XXXX XXXX XXXX, told him I dispute the debt, that it is time-barred, and that the kind of roboocall they are doing is illegal. He said hey, lets resolve this now, I will make it go away for {$1900.00}. I told him I dont have any money and they are not allowed to call that phone number any more ( it 's not mine ). He hung up on me. I called back asking for the company address and summons and court case number. He said it would be delivered. I told him I did n't want to wait, that I wanted the information so I could turn it over to a lawyer asap. He said it would be delivered by summons and hung up. The summons never came and they hang up on me when I call to ask for their info and the info on the courtcase they claimed they have filed and which I can not find on my Counted docket.
Product: Debt collection

I had dental work performed on XX/XX/XXXX at XXXX XXXX XXXX. I paid them {$100.00} at the time of service. Then they submitted the bill to insurance and receive a check from insurance. Which I have that explanation of benefits then about a year later I started receiving a Bill from the dental office when I called them up they said I didnt have insurance at the time. At that time, I could not find my explanation of benefits, but have since found it they were paid by insurance and are still trying to collect the whole amount from me. I paid them {$220.00} in XX/XX/XXXX to the collections agency before I found my EOB. Based on my EOB they owe me about {$20.00}. I tried to reach out to XXXX to get the matter resolved and they would not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote to TransUnion to bring to their attention multiple accounts they have furnished on my consumer credit report that were false and/ or inaccurate. In my letter, I explained the reasons for the accounts being false and the reasons why they require removal. In accordance with the FCRA, a federal law, I was very clear and gave them ample time ( 30 days ) to reinvestigate these accounts and provide me with specific information from their investigation - also in accordance with federal law. Although federal laws are also public knowledge, I also explained to them in my letter that if they did not conduct a proper investigation as required by law within the 30 day window, these accounts would need to be deleted from my consumer credit report. To add to my certified mail receipts, I have sent them a demand to comply letter on XX/XX/2021, 31 days after the dispute was initiated. It has now been more than 38 days. Federal law states, that credit reporting agencies have assumed a vital role and there is a need to insure they exercise their grave responsibilities with fairness and respect to the consumers privacy. Federal law also states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner which is fair and equitable to the consumer. At this point, this is not fair or equitable and it has caused me much distress, as well as resulted damages, to still have these inaccurate and false accounts attached to my credit report. Please, support the consumer agencies in doing what they already must do- comply with federal law and treat consumers fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on WESTLAKE FINANCIAL SVC. Please " Remove '' the account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regard to collection listed XXXX XXXX XXXX for {$230.00} on XX/XX/XXXX XXXX. First time appearing on my credit report. 

XXXX XXXX membership and access to the fitness club were closed during Covid. I was paying mo! monthly membership but could not access the club. I contacted XXXX XXXX several times to cancel my membership and it was not processed. Gyms have been closed for about 9 months and now they are opened with one having to wear a mask during a workout. 

I called 2 times to this collection agency ( first on XX/XX/XXXX and then on XX/XX/XXXX ) to ask them to call me regarding that I cancel the membership and it was not processed. No one called me back. Called today and left a message. I also called XXXX XXXX today XX/XX/XXXX and they said they noted that my membership was not processed. The gym was closed and for a while, I was still paying for a service that I was not able to access. XXXX XXXX should reimburse me. I am requesting that this collection amount be taken off of my credit report.
Product: Checking or savings account

I recently wrote a complaint that was rejected by the CFPB for unstated reasons that demonstrated NFCU 's habit of deleting messages from my dashboard. I recently wrote a complaint that demonstrated NFCU 's habit for taking back refunds that appeared on my dashboard. I recently wrote a complaint that demonstrates retailers recent habit of insisting they issued refunds that they did not. I have recently wrote several complaints that demonstrated NFCU 's habit of insisting I call for issues they are legally required to take notice of in writing. I have over the last two years, been attempting to get NFCU to address rampant fraud with my accounts. Freezing my cards has been unsuccessful. Requesting they replace my debit card and neglecting to activate it has been unsuccessful. They claim to have done so twice in complaint XXXX, wherein they claim the first was activated by me when it was not and for which received a shipping notification but not the card, and a second for which I never received a notification or a card. As far as I can tell from my account, neither ever existed. In an attachment, they claim the card can only be truly deactivated over the phone. 

I have asked them to close my credit account numerous times over the last year, they have deleted all the messages, and despite finally agreeing to do so, my credit account remains open and is in threat of being closed. For over a year, NFCU denied me access to transaction histories, placed information on my dashboard that did not make it to my statements, and allowed hundreds of manual transactions to be placed on a frozen debit card and/or credit card without sending me the requisite transaction notifications. Many of the retailers in question have been compelled to issue refunds by the state AG for fraudulent activity. I however have had difficulty confirming these refunds as I have been unable to access either a transaction history or statements in a timely manner. 

I first attempted to address these issues through the CFPB in XXXX XXXX  which would place every transaction squarely within the same eight month time frame that NFCU extended for the original XXXX dispute that start this. They took 90 days to generate a response that did not address the issues above. That was not my first time attempting to address them, and when I was finally able to convince NFCU to respond to a request, they claimed that a non-specific time period had elapsed. This was the time period in which they refused me access to a transaction history. 

Would NFCU be willing to address the fraudulent charges listed in their list of manual transactions with an understanding that the point of the scam is to confuse the fraud with the legitimate, and that the majority of them never generated the configured transaction notification. If they are unwilling or unable to reconsider their decision with regards to disputes they still in large part refuse to provide a transaction history for, would they please provide me with dispute resolutions electronically, with the specific time-frame that was violated for each transaction, and their reason for applying it given the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}, accounts 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 permission instructions.

15 U.S.C 1681 C. ( 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 1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Southwest Recovery Services XXXX XXXX, Texas, submitted a false address to my XXXX credit report. 

The false address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have no affiliation with this address, any nearby address, or any address in Texas. I have never lived in nor leased property anywhere in Texas. 

XXXX will not allow me to dispute the address because it was reported by Southwest Recovery Services. 

I also have no affiliation with Southwest Recovery Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXXXXXX, 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 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
Product: Debt collection

I contacted the debt collection company " on line ''. I explained that they have mistaken our company XXXX XXXX, XXXX for a company called XXXX XXXX The utilities provided by XXXX XXXX were not provided to us. As we only have one location in XXXX XXXX, Illinois. We were established in 2005 and have always only operated at our current locationXXXX XXXX XXXX XXXXXXXX had never contracted with any utility at any time for services. The location this debt collector claims we owe is in XXXX. 
The person we spoke with stated that it was a mistake. But they continue to send demand letters and threats. This company uses the following Reference : XXXX PIN : XXXX. These identifiers are on their correspondance.
Product: Mortgage

Ditech keeps calling me. Telling me go pay off my loan in the amount of {$15000.00} dollars or they gon na take my mobile home. They keep harassing me. What do I do I do n't want to loss my house. HELP
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is scheduled to continue on record until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Was trying to use the Bank of America ACH online Bill payment system to pay my contractor for work performed. On XX/XX/23 I attempted to pay {$7500.00} ACH Trace XXXX from my XXXX XXXX account to my contractor 's ( XXXX XXXX XXXX XXXX XXXX XXXX at BoA. On XX/XX/23 I attempted a second {$5200.00} payment ACH Trace XXXX from my XXXX XXXXXXXX account to my contractor 's XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at BoA. XXXX XXXXXXXX confirmed sufficient funds were withdrawn from my account and sent to BoA 's ACH Clearinghouse. In both cases, the payments failed some type of audit check and I received emails from BoA that both transactions were voided and the funds were returned to the originating account. Four months later, the {$12000.00} has yet to be returned to my XXXX XXXX account. 

Since this is not my account at BoA and my contractor has not been willing to get on a conference call with BoA and me to authorize BoA to talk with me, BoA is unwilling to help me. My XXXXXXXX XXXX  has been working with me and was finally able to contact someone in the BoA ACH Research Department, but to date we don't yet have the return ACH Trace number nor has BoA done anything to help find the missing {$12000.00} they claim was returned to me. 

I am willing to provide supporting email documentation if needed to resolve this.