23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I submitted my official application to have my PMI removed On XX/XX/XXXX, I had photos taken of the home and submitted to the company to prove the homes good condition On XX/XX/XXXX I called the company and was told that it was approved and that an escalation would be sent to " The Escrow Team '' to recalculate my payment On XX/XX/XXXX I called again to get status and was told " I see the request but it as never sent over. I'll forward it again, but Don't worry it's approved. I can see it will be removed by XXXXXXXX XXXX XXXX '' I call again today ( XX/XX/year> ) and am told " Oh it's denied, we don't know why they didn't tell us. But you'll get a letter. '' I call again after being hung up on and get more information " I see in the notes it was denied because you haven't owned your home for over 2 years. '' I say " I've owned my home for almost 3 years, it'll be 3 years in XXXX. '' I'm then told, " I don't know sir that's just what it says, you'll get a letter though. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, US DEPT ED Account # XXXX, 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
Product: Vehicle loan or lease

They repossess the vehicle and sold it. They list the remaining balance on my credit as a charge off but refuse to give me a XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Closed Credit Card Accounts from Credit Report Dear Sir/Madam , I am writing to formally dispute certain entries on my credit report that pertain to closed credit card accounts, which continue to inaccurately report balances or account activity, affecting my credit score. The accounts listed below have been closed or charged off, yet they continue to report updates without my consent, in violation of both federal and XXXX  XXXX laws : XXXX XXXX XXXX  Balance : Not listed Last Balance Update : XXXX XXXX XXXXXXXX Balance : {$4400.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Update : XX/XX/year> XXXXXXXX XXXX XXXX 

Balance : {$530.00} Last Balance Update : XX/XX/year> XXXX XXXX Rewards Balance : XXXX XXXX XXXX Balance Update : XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Update : XXXX  These accounts are either closed, charged off, or have no balance due, and they should no longer impact my credit score or report any updates without my express consent. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) : As per 15 U.S.C. 1681c, closed accounts should not continue to report inaccurate balances or account updates. The continued reporting of erroneous balances is a violation of this law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The state law prohibits the dissemination of inaccurate information and deceptive practices. Reporting closed accounts with misleading or incorrect balances qualifies as such practices. 

I request that these accounts be immediately removed from my credit report, as they reflect inaccurate information. I have not provided consent for any continued reporting of these closed accounts, and they should no longer be included in my credit report. I have enclosed a copy of my credit report with the disputed entries clearly highlighted for your reference. 

Please conduct a thorough investigation and correct my report as required by law. I also request written confirmation once the inaccuracies have been addressed and removed. Should this issue remain unresolved, I will have no choice but to take further legal action under both federal and state laws to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of the disputed accounts.
Product: Mortgage

My home mortgage was sold to a new lender. Before the sale, my payment history was 24 months on-time. Payments to the new lender began on XX/XX/2019. For XXXX months, the payments were on-time. In XXXX, my ex-wife and I separated and I moved out of the home. I provided my ex with the funds to make payments until we met for mediation. She did not make payment. I have the canceled check. We later sold the home and the mortgage was paid in-full. With the exception of this single item, my payment history is pristine. Now, XXXX years later, this item is negatively affecting my ability to buy a new home and has been costing me via higher interest rates.
Product: Mortgage

I 've been attempting, for better than six months to get my 2nd mortgage servicer, Ditech Financial to seriously engage the writer on my interest to settle the outstanding balance. The process started in XX/XX/XXXX, latest. Only recently have I received a phone call after multiple attempts in both writing and telephonically to get them to reply. I 've also asked for supporting documentation regarding the totality of interest paid and general progress on the reduction of the loan balance. I received nothing I 've been thorough, I believe, in articulating why a negotiated settlement is reasonable. The aforementioned phone call was unsatisfactory only offering a nominal reduction. 

The intent of my complaint is - both - getting the supporting documents as to my total payments made, interest paid and principal paid. And, with that evidence press my case for a more reasonable settlement substantiated by my previous employment hardship ; savings drain yet I maintained the account as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to cosign for an automobile but changed my mind when the dealer stated there was fraud protection on my report and the dealership wanted me to phone and have it removed. I refused and asked that my application be eliminated. I no longer wanted to act as co-signer. However, a few days later I received correspondence from XXXX XXXX XXXX that provided 2 versions of the facts. One document claimed that the dealer did not obtain my credit report while another document dated the same date stated that the dealership had obtained my credit report. I also received a document from XXXX XXXX Application # XXXX that claims they were informed by XXXX XXXX XXXX I was seeking finance. This is false.
Product: Mortgage

In XXXX I experienced financial hardship as a self-employed XXXX in XXXX Indiana. The servicing company at the time refused to allow me to catch up my payments which were around 5 or 6 months behind. They moved to foreclose on my home and refused to take any sort of repayment plan. I was forced to file bankruptcy in XXXX. 

That bankruptcy was eventually withdrawn per advice from my attorney. I then attempted to make arrangements with the new servicer Fay Servicing. On XX/XX/XXXX I had turned in hardship packets to Fay asking for some sort of modification on my loan. The interest and fees were as much if not more than the principal balance. Fay never responded to my request. 

Fay eventually refiled foreclosure to which we are currently still working in. I have hired a real estate agent who has listed the home and has brought a reasonable offer to Fay. All cash. My property has some physical repairs it needs due to being at the bottom of a hill on a lake. 

The agent helped me turn in a hardship package, again. The offer then came in. Fay failed to respond to the offer and the hardship packet. The agent pursued communications but couldn't get any answer or direction from Fay all the way up to the day before Foreclosure. So I was forced once again to file for bankruptcy to help stay the foreclosure and give me a chance to still deal with this situation. 

Over the last several months I have fallen ill with XXXX XXXX. I have sent proof to Fay. Didn't help. The agent spoke to a manager trying to get the short sale approved and the agent was informed the hardship packet was not complete but when the agent requested the manager re-review, she said it was sufficient. 

At this time, I think I just need some help. Fay seems disorganized and unable to address my account. I do not understand my total balance due and why it is so high in comparison to my loan balance. I don't understand why they will not let me short sell the house and why they would tell me my paperwork is not right when it was. 

Any and all help is welcome. I just need to get on with my life and deal with my health. I wish to sell the home and be relieved of any additional debt. I can not take care of the property any more due to my agent and health. I do not understand why it seems like I am the only one trying to make this right.
Product: Debt collection

I have already handled this through another company through the CFPB and was told that it would be removed completely from my credit report. 

On XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX XXXX. via the CFPB saying " Debt is not even mine, This account was opened and ruined by my exboyfriend without my knowledge. This needs to be immediately removed. '' They responded and sent me a fraud packet to fill out and mail off to XXXX XXXX XXXX which has not yet been responded to ; Specifically they stated " On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) contracted XXXX to collect the unpaid balance of {$1600.00} from XXXX   XXXX, XXXX, TX. According to XXXX XXXX XXXX, the account became delinquent XX/XX/XXXX. Ms. XXXX   complaint revolves around fraud. Mr. XXXX may visit XXXX XXXX XXXX to obtain XXXX XXXX XXXX fraud process. XXXX has attached XXXX XXXX XXXX fraud packet to this response. XXXX XXXX XXXX provided XXXX with billing statements which has also been attached. '' regarding the fraud packet completion as part of their response. 

I would like to have this immediately removed from my credit report as it already was ; and I was told this would not be a future issue. 

Thank you for your assistance with removing this.
Product: Credit card or prepaid card

I applied for the Capital One Quicksilver credit card during the second week of XX/XX/XXXX. 

On XX/XX/XXXX, I received an electronic letter ( to be attached ) declining my application, for the stated reason that one agency ( XXXX ) indicated that I had insufficient duration of credit.

On XX/XX/XXXX, I wrote a letter ( attached ) to Capital One appealing this decision, attaching my current XXXX credit report ( also attached ) which clearly reflects the fact that I have had the same credit card ( XXXX XXXX ) since XXXX as well as a mortgage in good standing with XXXX since XXXX. 

I received a response letter from Capital One on XX/XX/XXXX ( the letter is dated XX/XX/XXXX ) which acknowledged my letter and reported no change in their decision to deny my application. 

I believe that Capital One 's denial of credit to me was based on their erroneous interpretation of a single credit agency 's report. They cited no other reason for denial of credit to me.
Product: Credit reporting

I submitted a dispute to Equifax in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as 30 days past due. after receiving my results from Equifax I called XXXX and they told me that they did NOT verify to Equifax anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that Equifax correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.
Product: Debt collection

Enhanced Recovery placed a collection account on my credit report prior to giving me a notice of my right to dispute, prior to reporting the debt.
Product: Credit card or prepaid card

Upon speaking with the fraud department at Comenity Bank due to a credit inquiry today for a card I did not apply for, it was brought to my attention that an account was opened under my name and ssn yesterday with Comenity.net/XXXX Comenity swiftly took measures to close the account and report it as fraud.
Product: Debt collection

I have never done business with this company, Calvary Portfolios Company, and XXXXXXXX XXXX. The credit report shows an amount of {$2200.00} for a bill that I dont have or had. The company reported this on my credit report and I want this removed from all three major credit reporting agencies immediately. My greatest concern is the fact that this was reported on my credit file and I had no knowledge, and it doesnt belong to me. 


Thank you, XXXX XXXX
Product: Debt collection

I have requested that this creditor provide validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 77 days. The collection amount is listed on my credit monitoring site for {$270.00} and I was never made aware of such debt in writing
Product: Credit card or prepaid card

We used Citi AAdvantage Card for our flight from XXXX to XXXX. However, our flight got cancelled due to weather and we stayed in XXXX for one more night and waited about 24 hours to get to another flight. We checked with Citi staff on the reimbursement issue but they didn't reply to us in about a month. 

Claim Number : XXXX - Citi card ending : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CO XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX .... Balance XXXX - ; XXXX XXXX XXXX  XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX FINANCIAL XXXX Balance : {$1200.00} XXXX XXXX XXXX COMPAN XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality un

der 15 USC 1681. The letters are stated with items and issues. 

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. 1681s-2 ( A ) ( 1 ) A person shall not 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, credit repair services, or other personal consumer reports

I have called Citibank no less than 8-9 times ( or more ) spending approximately 18 hours on the phone since XX/XX/2020. Five of those times, after repeated explaining the circumstances and concerns of my account, Citibank DISCONNECTED the phone line. This same instance occurred 6 separate times in XXXX of 2020. Additionally, fraudulent charges were discovered on the account, and I was told that these charges were being investigated beginning in XXXX. My latest call in XXXX revealed that Citibank had no record of an investigation begin started despite SEVERAL phone calls from me in XXXX to inquire and be updated. I was told in XXXX that they have until XX/XX/XXXX ( 90 days ) to report back to me. Citibank did not. 

1. Upon applying for their Covid relief program in XXXX of 2020 for the following two months of XXXX  and XXXX, guided by one of their employees while on the phone so that accuracy was ensured, I was shocked to receive notices in XXXX that my account was being reported delinquent and that my credit score was being dismantled and harmed. From this point onward, Citibank has created continuous havoc on my account and credit score -- with no communications of the the multiple fraudulent charges being investigated or resolved. Phone call after phone call revealed near chaos on their end as to creating steps to discover and report what I truly owed. 
2. I have spoken with no less than 16 different persons ( I have names, dates, times, and extensive notes XXXX to address getting my account restored properly as well as my credit score. 
3. Additionally, multiple fraudulent charges were found on my account and, per the Citibank employee, an investigation was begun in XXXX. 
4. Not having heard anything from Citibank in XXXX or XXXX ( except incomplete and false reports of what I owed them via their automated systems ), I called several times in XXXX XXXX at least 4 times ) to be told that it would take up to 90 days ( XX/XX/XXXX ) for the results of the investigation and that I should not call back UNTIL that time ( XX/XX/XXXX ). 
5. Upon receiving repeated incorrect pressured notices of what I owed and now a closed account along with repeated harm to my credit score, I called back in XXXX to ascertain the outcome of the investigation -- -TO DISCOVER that NO INVESTIGATION had been started per the latest Citibank employee. 
6. I have pages of notes, names, dates, times, and a few recordings that verify -- along with telephone records that can vouch for being disconnected 5 times from Citibank after hours on the phone with them with no one from Citibank ever following up. 
7. Person after person after person said that they 'would do this or that ' but nothing has ever been reported back to me despite my follow-up with Citibank ( all documented ) 8. I have been a loyal customer who has paid on-time for over 20 years with this company, and they have utterly disregarded accuracy, veracity, and reasonable due process as a faithful client.
Product: Credit card or prepaid card

Dear Sir/Madam : I am the victim of a violent crime, and have XXXX  XXXX of which I am working on. My salary as a XXXX went from $ XXXXmonth to $ XXXX/month in XXXX XXXX Disability payments. XXXX XXXX WORKED with me during the extreme hardship with a balance over the {$500.00} limit, I only had to pay three ( 3 ) {$50.00} payments to put my balance at XXXX. 

I phone Synchrony Bank, regarding my Care Credit Card over and over and over. To include today, XX/XX/XXXX. On XX/XX/XXXX I was attacked unfortunately by a XXXX Driver. It is a Battery case. I phoned Care Credit ( Synchrony Bank ) SEVERAL times ignorantly hopefully expecting them to work with me as XXXX XXXX DID. They offered me a plan of " {$61.00} '' a month for 6 months due on the XX/XX/XXXX. Let me EMPHASIZE due on the XX/XX/XXXX. Unfortunately and obviously I can not pay the {$61.00} for 6 months nor do my bi monthly XXXX deposits come regularly on " the XX/XX/XXXX. '' I was continuously frustrated by the XXXX women in Customer Service for both their lack of thinking out side of the box and lack of empathy. To get to the point, on XX/XX/XXXX I made a full {$58.00} payment " TO KEEP MY ACCOUNT OPEN, '' as according to Customer Service. That was my food money. 
Then, in XX/XX/XXXX, I made a {$5.00} good faith payment. Two good faith payments. I just logged onto XXXX, and to my utter surprise, THEY CLOSED MY ACCOUNT. All of my efforts. All of my calls. All of my attempts to please work with me. The {$58.00} I sorely needed. I NEEDED THAT MONEY - all for naught. They have closed my account and have not even told me. I found out by looking at my report. 
I just spoke with a smug, unsympathetic robot, a man, in Escalation at the Bank. 

He was not interested in anything I had to say. 

I'm disgusted that during such enormous trauma, and with XXXX that I tried so hard and they just closed me. 

Shame on them. I wish I could close them. They NEVER offered to waive {$30.00} or {$37.00} fees, to assist me in catching up. They never offered anything to assist me. Now my account is closed. More trauma. Synchrony Bank you are bad people. I should have never even tried. 
You're not suffering from trauma. SHAME ON YOU for not keeping up with other credit cards, their empathy. You lack integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/XXXX, I placed a freeze of information on my reports with LexisNexis, the freeze was granted and took place on the XX/XX/XXXX. On XX/XX/XXXX, LexisNexis released my information to XXXX Credit Bureau, without consent and unlawfully disregarded my Freeze of information. I respectfully request from CFPB to have LexisNexis delete the information of the chapter XXXX bankruptcy that was released from my report immediately with confirmation. Documents are being sent and underway to CFPB by USPS Mail to show the proof of LexisNexis Violation of releasing personal and public information to outside sources violating the FCRA and the Federal Law. 
On XX/XX/XXXX, I have sent a dispute to LexisNexis concerning the bankruptcy chapter XXXX reported on my file, a formal respond was suppose to have taken place from LexisNexis within 15 days, 40 days has gone by and I haven't heard any reply or any response from LexisNexis, which also puts LexisNexis in violation of the FCRA and should demand it to Delete the chapter XXXX bankruptcy off my report. Documents of proof are under way to CFPB. I request from CFPB to use it's proper laws and inspections over this matter and have Lexis Nexis Delete this public record immediately.