23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i sent in a {$4000.00} payment to catch up on my house payment. the mortgage company did n't apply my payment then sold my mortgage. The new mortgage company is saying that i am a year behind and are trying to foreclose on my home. I am a single mother who wants to stay in her home. I ca n't lose my home to someone taking my money from me and not applying it to my mortgage like we had agreed. When questioned they said they did n't know where it was.
Product: Debt collection

First equity collocation for a amount i paid today XX/XX/2019 the lady name was XXXX at XXXX XXXX XXXX XXXX extension XXXX she said I owed XXXX XXXX XXXX XXXX she threatened to put me in XXXX and said if i did not pay i would have to pay lawyer fees of XXXX so I paid it and she said she would email me a receipt never got it
Product: Credit card

To whom it may concern, I wanted to advise you that capital one fraud department is the abuser. I caught there actions yesterday. 

I won a very large dispute on my own because capital one denies denies denies and has held my returns from being credited to the account in the past and I caught them in the act yesterday I called the fraud department and told them I was disgusted that the merchant removed every single transaction and I won because I continued to fight for the equalivent to the amount of over XXXX I have photo proof it was posted as " purchase adjustment " " other '' on capital one 's statement which I am keeping private for now as they blatantly lied to me again and every single charge was listed from the merchant and I logged back in not even an hour later and GONE DEPLETED by capital one on XXXX different credit cards THEY PLAYED XXXX PLEASE LISTEN TO CALL I HAD WITH THEM AND LISTEN TO THE REASONING AND WHAT SHE SAID this is a huge breakthrough for all the blogs for all the reasoning why they are scammers but I had to prove this myself and I caught them. Literally and figuratively I AM BEING XXXX BY CAPITAL ONE every single consumer is also being XXXX by the system and I have proof. 

I AM XXXX WITH XXXX XXXX XXXX CONTACTED THE XXXX the XXXX and my XXXX lawyer. They are caught and I told them I'm done being a victim. I feel like I have been XXXX. XXXX and I feel ashamed I trusted them. 

This is on XXXX credit cards. 

I want nothing further to do with this company but I want my credit from XXXX XXXX for XXXX from last year they blocked and I want every single dispute I ever made to be available on my XXXX cards and I want a check mailed to me I can not believe I with this horrific XXXX caught this!!! 

I filed a police report against this neglect fraud scam and I have an attorney willing to take this on as a case due to these findings. No names are to be given at this time as they have the chance to fix this and leave me alone forever. 

I'm done being a victim. 

I do not find any of this amusing I also have more than XXXX photos of the fraud transactions reversed on the merchants web page as well. Thank you
Product: Checking or savings account

I received a text message from ( XXXX ) XXXX at XXXX. EST on XX/XX/2022 See the attachment which reads as follows : Citizens Bank : Are you trying to sign in from a new device or location? If you don't recognize visit : XXXX to Protect your account. 

I contacted Citizens Bank immediately and the representative gave me this contact information.
Product: Credit card

On XX/XX/2023 I was approved for a Citi credit card with a {$5900.00} credit limit. They asked for the card I wanted to transfer the balance from. I additionally put my mailing address in my application as well as physical address. They have no record of them offering me the promotional balance transfer, or the mailing address I entered. They lost my card in the mail and then gave to recourse for their predatory lending practices. I believe Citi should be fined for predatory lending practices because I did not want a credit card without the promotion. They has damaged my credit, it has forced me to pay interest on the other card that I should not have had to and caused unnecessary stress to me and my family.
Product: Credit reporting

There is an alias on my credit report that I have never used. Someone had used my SSN to rent an apartment and then did not pay. The default went on my credit report back around 1990 or so and I had to contact an attorney to remove it since I was purchasing a house. I know see the alias is still on my credit reports.
Product: Debt collection

I have a medical collections showing on my credit report that was reported to the credit bureaus on XX/XX/XXXX. This medical bill was paid in full to the original credit back on XX/XX/XXXX. According to the original creditor this should not be showing on my report and this company is not authorized to contact me regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  dont fixed report show error in my credit. Reporting account opened fraudulent of Wells Fargo/ XXXX XXXX and XXXX  XXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct fico score danger my record and limited opportunities get credit
Product: Vehicle loan or lease

On XX/XX/year> from XXXX XXXX XXXX XXXX XXXX referred from Banco Popular to buy the car from them. On XX/XX/year> I paid a deposit of {$390.00}, I Paid {$270.00} cash to XXXX XXXX and later paid {$120.00} via XXXX XXXX. As of today the car has not been registered and I do not have a car registration sticker and unable to drive the car. I have contacted Banco Popular and was advised that the dealer has not turned in all loan paperwork but they are still charging me the car loan plus late fees. I was lied to by the dealer and bank telling me that XXXX XXXX XXXX requires me to buy car insurance and gap coverage from them before taking control of the vehicle which violates federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$760.00}
Product: Credit reporting or other personal consumer reports

Recently, I ordered copies of my credit reports and discovered numerous accounts that do not belong to me. These accounts were not opened by me, and I am a victim of identity theft. In XX/XX/2024, I mailed a priority letter containing copies of my current driver 's license, Social Security card, FTC Identity Theft Affidavit, and a police report to XXXX, Equifax, XXXX, and other entities reporting fraudulent accounts on my credit report. 

Unfortunately, it appears that the documents I sent were not properly attached to my accounts. This mishandling has resulted in the fraudulent accounts not being removed from my credit report, which is severely hindering my credit. I called in on XX/XX/XXXX XXXXXXXX XXXX I was told my letters was not received. 

To protect myself further, I will be placing a freeze on all of my secondary bureaus as well. However, I urgently request that the fraudulent accounts be investigated and removed from my credit report as soon as possible. 

Please acknowledge receipt of this complaint and the steps that will be taken to rectify this situation. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.
Product: Debt collection

The attached exhibits clearly display each violation of federal law against my consumer rights that XXXX XXXX has committed and if I did not send a cease-and-desist letter on XX/XX/2021, XXXX XXXX would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not mine nor does it belong to me but instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. XXXX  XXXX is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. XXXX XXXX XXXX also has been sharing my information with 3rd parties that were not involved at all with the initial consumer credit transaction which also violates federal law. XXXX  XXXX XXXX has caused much pain and hardship for me and my family as consumers and they must be stopped before XXXX  XXXX XXXX continues to violate other natural persons consumer rights. The referenced XXXX  XXXX XXXX account # : XXXX should be deleted from all XXXX of my credit reports ( XXXX, XXXX, Transunion ) and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA inquiry XX/XX/XXXX XXXX still shows on my credit report. Can it be removed? 

CBNA inquiry XX/XX/2021 still shows on my credit card can it be removed? 
XXXX XXXX still shows on my credit report can it be removed please.
Product: Mortgage

Mr. Cooper Company increased my monthly mortgage payments by more than {$300.00} a month, justifying that my tax and insurance premiums went up and that they needed to add more funds to my escrow account. I have yet to receive any written notification regarding this increase. I discovered that by chance when I was navigating through my online account. Mr. Cooper also failed to pay my 2022 taxes on time out of the escrow account, leading me to receive a foreclosure warning letter from the City of XXXXXXXX. I contacted my local city tax office and found that my tax rates stayed almost the same.
Product: Credit card

XXXX XXXX XXXX Last 4 of account XXXX XXXX XXXX Comenity Capital Bank I am writing to formally file a complaint against XXXX XXXX XXXX XXXX credit card for what I believe to be unfair and deceptive practices related to their payment processing system and the imposition of late fees. 

1. Payment Processing Limitations and Time Zone Restrictions : On the due date of my payment, I attempted to make a payment through the credit cards online system. However, I was forced to schedule the payment for the following day due to a cutoff time imposed by the bank based on their time zone, which was not aligned with my local time. This limitation unfairly penalizes consumers who are unaware of the specific cutoff times and are operating under the assumption that a payment made on the due date would be processed accordingly. This practice creates a misleading expectation and can easily result in late fees, which I experienced. 

2. Imposition of Late Fees on Late Fees : Following the delayed payment, I was charged a late fee. However, to my dismay, I discovered that I was subsequently charged a late fee on the previous late fee, despite the fact that I raised concerns and disputed the original charge. This practice appears to violate the Credit Card Accountability Responsibility and Disclosure Act of 2009 ( CARD Act ) and the Truth in Lending Act ( TILA ), specifically under 12 CFR 1026.52, which prohibits creditors from imposing multiple penalty fees for a single violation.

3. Deceptive Practice of Waiving Fees Only After Account Closure Request : When I called the customer service department to dispute the late fees, I was initially denied any relief. It was only after I requested to close my account that the representative agreed to waive the fees. This tactic feels like a coercive and deceptive practice designed to retain customers by offering fee waivers only when the threat of account closure is imminent. Such behavior not only undermines trust but also puts consumers in a situation where they are forced to endure unfair treatment unless they take drastic measures like closing their accounts. 

Conclusion : I believe the actions taken by XXXX XXXX XXXX XXXX credit card, including the limitations of their payment processing system, the charging of late fees on top of other late fees, and the manipulative practice of waiving fees only upon account closure requests, constitute unfair and deceptive practices that violate consumer protection laws. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these practices and take appropriate action to ensure that consumers are not subjected to such unfair treatment. Furthermore, I would appreciate the opportunity to discuss this matter further to provide any additional information that may be required. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1100.00XXXX XXXX XXXXXXXX Balance : {$820.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I'm a victim of XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted evidence to Experian and XXXX on XX/XX/XXXX in regards to an obsolete account with XXXX XXXX XXXX XXXX  for a secured loan obtain in XXXX. I contacted the Mississippi Attorney General Office in regards to the state statue regarding delinquent accounts and collections practices. I complied with all the state guidelines in requesting verification information from this creditor ; however, this creditor fail to provided the required documents within the 30 days allowed. Once I received this information it was not accurate nor had all the requested documents to provide proof that XXXX XXXX the new proclaim holder had the right to collect this debt. I responded to XXXX XXXX letter dated XX/XX/XXXX however I received it XX/XX/XXXX ( envelope show postal date stamp XX/XX/XXXX ) which was beyond the 30 days from the receipt date of XX/XX/XXXX ( certified receipt included ). Reviewing the attached documents will show XXXX XXXX XXXX XXXX aka XXXX XXXX has fraudulent changed data on my report after I made them aware of Mississippi laws that they were not in compliance to. I received a letter on XX/XX/XXXX from XXXX XXXX, Compliance Officer stating the account is now noted to stop all collection actions based on this law ; however, she fail to compromised by deleting this account as stated in my request because XXXX XXXX and XXXX XXXX XXXX violated my rights as a consumer. Reporting inaccurate information for the previous 4 years and attempting to collect on a debt that is not allowed by Mississippi state statue from 1 year of foreclosure. This account was never classified as foreclosure but a charge-off and business loan until now. This account should be deleted because of the non-compliance acts this bank has taken against me in collection practices. See attachment for further detail and documentation proof. The credit bureaus fail to evaluate my evidence but appeared to believe the bank after they alter information that was inaccurate for years.
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen while I was encarcerated, along with my car and my purse in XXXX of 2018 and I filed a police report, and XXXX XXXX ruled against my identity theft saying I was in the car and not encarcerated when in fact I showed them proof of being encarcerated on the night that the money was withdrawn. They denied my police report as well. I've tried several times to have this removed as it was not me and my identity was stolen. They still refuse, along with all 3 credit agency 's to remove this! I've showed all documents stating my innocence. I want it removed and my debt of it cleared. They need to go after XXXX XXXX who did this! Thanks.
Product: Payday loan, title loan, or personal loan

I was taking class as part of the Small Business Administration 5- XXXX to introduce my health drink XXXX. An orientation was hosted by XXXX XXXX, president of SBA. I took class from XXXX of XXXX to XXXX of XXXX to learn about how XXXX could help me in my health drink business. I was introduced to XXXX, an intake specialize at SBA and he was going to help with my health drink business. Then I was introduced to a Consultant whose name was XXXX XXXX. He is one of the instructors who is supposed to help me find a warehouse because I need space. XXXX XXXX and I were supposed to have a launch party in XXXX of XXXX. I was broke around XXXX and XX/XX/XXXX and started looking for a loan. I was knot of where that i receive the loan their were [ problem. I went to my bank in Late XXXX to cash a check. That's how I found out that I had money XXXX in my account. I was expecting some kind of paper promissory note.Then I would receive money in my bank account. 
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Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 is my final warning. I am currently working with a law firm to sue the three reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  credit inquiries from  XXXX   XXXX   XXXX . I authorized the pulling of my report in  XXXX   2017 . I did not authorize the subsequent pulling of my credit report after  XXXX   2017 , yet there are  XXXX  more inquiries appearing on my credit report. I have asked Transunion,  XXXX  and   XXXX   to remove these inquiries and they have refused to do so even if I did not authorize it. None of the agencies can prove that I provided consent because I did not, but even so, they refuse to remove it from my credit report which adversely affected  my credit score and a bility to obtain a home mortgage.