23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent disputes about negative items on my credit report.Some items are over seven years old I do not recognize some of the negative items.In XX/XX/2022 after many online disputes i sent certified letters with copies of my identification along with letters being notorized requesting validation of all debts reported on my credit reports with the original signed by me copies of the agreements sent to me or to have these items immediatly removed from my credit reports.I have not received any responce from XXXX, XXXX, or experian.The XXXX  account on my report shows to be past due and unpaid however if you check the accuracy you will find i pay them XXXX every week and can prove this.I also have been paying on that account for 22 years if you look at it.By XXXX 's on records i can prove i have paid XXXX in interest alone on that account.I am also a victim of credit karma letting a company called XXXX XXXX pull multiple hard credit pulls on me that were not authorized.I have disputed this many times with no results.My credit reports are not correct with multiple innaccuracies easily seen.I am wanting these incorrect items removed immediatly as it is hinduring my ability to live and function properly.Thank you
Product: Checking or savings account

Capital One not depositing payroll into my account causing financial issues and distress due to not keeping their obligations as a service bank. Leaving myself and XXXX  of other consumers vurineable and in distress over financial issues which has caused myself and others without funds. Never received any notice or alert of the situation about the issue at hand. Very disappointed and humiliated because I can't pay bills on time or provide for myself or my family.
Product: Mortgage

I just sent this email to Pennymac USA via their web form : " When I called this week for information about the modification process, I asked REPEATEDLY that you NOT BEGIN THE PROCESS WITHOUT MY PERMISSION. 

I asked you to send me WRITTEN INFORMATION ABOUT THE PROCESS BY MAIL. 

I attempted to call you to make a payment today and was given the runaround. I log in to make a payment and I discover that you have begun this process WITHOUT MY EXPRESS PERMISSION. 

I am cc'ing this to consumer advocates and consumer credit regulators. Meanwhile, I am attempting to pay my debt and this is my official notice that you are proceeding on a loan modification WITHOUT MY PERMISSION. 

Thank you. '' -- - Pennymac assured me by phone on Monday morning that I was not entering the loan mod process, that my credit pull was a soft pull, and acknowledged repeatedly that I was NOT yet ready to start the loan modification process UNTIL I received hard-copy information via US Mail and had time to look into it and think about it. 

I attempted to make my monthly payment today and I was told by a very unfriendly phone rep that I was assigned to a " single point of contact, '' and that I would have to talk with that person. I hung up after trying to explain repeatedly that I was trying to make a phone payment. I came home to make the payment via web and I got notice that I could not make a payment because I had " entered the loan modification process. '' I expressly told them I was NOT NOT NOT interested in doing so at this time -- at least not until I understood the process fully and had received written information from them about it via US Mail. 

We have been in this very modest home for 10 years -- bought just a few weeks before the market crash, so we do n't even get to deduct mortgage interest on our FHA loan at 6.75 %. Now we are employed part-time in the " gig economy, '' so we have had to pay late at times, unlike before. But we do pay. This is our only real asset and we are XXXX and XXXX. We are tying to do all we can to protect it. Thanks.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/2024
Product: Credit card or prepaid card

I have received back to back phone calls from XXXX XXXX XXXX ( XXXX Bank ) Credit Card. 
I am about 18 days past due, and this amount of phone calls is absolutely harassment. 
They call from an unknown number every time, so when I did finally answer on XX/XX/2019 @ XXXX XXXX, not knowing who it was I asked who it was?! 
She said she was with XXXX XXXX XXXX and I said I would be making a payment in the next few days and that the ridiculous excessive amount of phone calls had to stop, do not call me again. 
They literally called me within 30 mins, 3 times!!! She said well that's true, I said they needed to stop, and she said we can call you as many times as we like and as often as we want!!! I told her wasn't legal and she stated it was. 
I ended up hanging up on her. 
Listen to the phone recording of the conversation.
Product: Debt collection

On XX/XX/XXXX I contacted the XXXX credit bureaus to inquire about inaccurate information that is currently reporting on my credit profile. XXXX is XXXX account that was opened XX/XX/XXXX on my profile. The account number is XXXX and has a balance of {$630.00}. It was opened against my knowledge and consent, and is a charged off account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( XXXX business ) days after the date of receipt by such agency. ( XXXX ) A copy of an identity theft report ''. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XXXX following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt for Capital One was cancelled and reported to the IRS as income in XX/XX/XXXX. Capital One still reporting full amount delinquent. If debt has been cancelled and account closed they should not still be reporting full balance amount. I contacted Capital one on XX/XX/XXXX and XX/XX/XXXX to inquire of this reporting and were advised they do n't have to stop reporting if the debt is cancelled but the amount they are reporting is incorrect for a cancelled debt. 

XXXX XXXX is reporting a balance of XXXX on my credit report and the XXXX was paid in full but they are refusing to remove the XXXX because I have another balance in their office of a lesser amount. I contacted XXXX XXXX on XX/XX/XXXX to ask to remove the XXXX from credit report as it is what is reporting and was denied that request.
Product: Mortgage

I fell behind on my payments and have tried several times to get a modification with this loan thru Ocwen. The mortgage company will grant a modification and accept 2 trial payments and then will send only the third payment back to me with no explanation at all. I then re-applied for assistance with Ocwen and they granted a modification and never sent me any payment amount or Letter stating that I was granted the loan modification .... Next thing I know I am in foreclosure status!!!! I have tried to contact them and get someone on the phone to ask them how I can receive a letter from them saying my home will be sold off in 2 weeks. I am need this matter looked into asap .... My loan # # XXXX -Ocwen
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The listed false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank continues to report negatively to credit bureau that I paid less the full amount on credit card, after we came to an agreement, that I would pay XXXX, and it would be settled in full and no negative reporting, in XX/XX/XXXX. I paid it that day, and then creditors dropped me, and I inquired the said it was what Wells Fargo reported, and they didnt want to take a chance, even when though I had never been late with a payment with them. Then this XXXX XXXX, Research and Remediation Analyst in Wells Fargo Bank Executive office continues to report it as open, when it was settled and closed. They have continuously and negativeltly harmed my fico score, and I'ved repeatedly asked them to correct it, and the say the same " We have recieved your account activity since our prior response, and our response is the same, that our information is correct ''. 

Letter dated XX/XX/XXXX says " Your account was was settled with us, we reported a settled status to the consumer reporting agencies that may also have included some elements of a charge-off status ''. 
XX/XX/XXXX last response from them, " We found the information to be correct ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report ... XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX XXXX, UNKNOWN XXXX, XXXX XXXX, XXXX XXXX  XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This comp any Mascarades as a mortgage company but is only a debt collector. They are rude, ruthless and very unsympathetic. We  became behind on our mortgage and when we tried to make a payment they wanted all our financial and personal information. We refused to give this information and tried to make a payment. When we refused our personal info they would not accept our payment and we were hung up on. We then made a payment thru there automated payment system receiving a confirmation code only to find out days later they cancelled the payment therefore charging us more late fees. After 4 months of struggling to get caught  up ( with no assistance from seterus ) and many harassing phone calls from them we finally got completely caught up only to be charged new " home inspection '' fees which were charged to our mortgage one day after being completely caught up. This is the worst " mortgage '' company and will definately be working vigilantly to get away from this company as soon as possible. I would rate this company as -10. They make it impossible to keep your house and make it very clear they are not going to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX In acgesdance with the fair credit Resort 995 act XXXX  Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account immediately
Product: Student loan

I have contacted Discover XXXX XXXX several times throughout my time with them about payment plans, how my payments are getting applied, etc. They do recommend doing the payment into a forbearance program, but this would increase my rates and i would need to pay more in the long run, which I do not want to do. I applied to get my loans consolidated to lower my payments by a couple XXXX dollars. I currently am paying almost $ XXXX, and struggle to do so. I have XXXX children, rent, and babysitter that i have to also pay for. After applying and passing all the requirements except the debt-to-income ratio, I was denied. My credit score is excellent. So, I am currently back at where i started struggling to make ends meet. They made no efforts to help me during the COVID-19 pandemic either. I have only been late on my payments once in the last 4-5 years, and it was only by a week. I have tried to go to different companies to refinance my loans, but I get that discover is to difficult to work with because they are a private loan company. If Discover would have disclosed qualifying criteria and pre-qualifications, I would have never went through Discover XXXX XXXX.
Product: Debt collection

I attempted to XXXX XXXX on XXXX of XXXX ; my wife rushed me to the hospital and saved my life. After being on the hospital for 3 days I left the hospital and got billed for the use of the hospital and the ambulance. I was a college student at the time and did not work. I apply for financial forgiveness at the hospital, and a couple of weeks later I got a letter from the hospital stating that 100 % of the bill was forgiven. Now on XXXX of XXXX I get a called from a collection agency attempting to collect this debt. The name of the company is Radius Global Solutions.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Reporting on Credit Reports To Whom It May Concern, I am writing to file a complaint formally regarding inaccurate information on my credit reports that is causing significant harm to my financial reputation. Specifically, multiple late payments are being reported inaccurately by one or more creditors and subsequently reflected in my credit reports from the credit bureaus ( Experian, XXXX, and XXXX ). 

I want to emphasize that I have never made late payments on any of my accounts. I maintain strict diligence in managing my financial obligations, and these reports of late payments are wholly inaccurate. This false information has adversely impacted my credit score and my ability to access financial products. 

I have already attempted to resolve this matter by contacting the creditors and directly disputing the inaccuracies with the credit bureaus. Unfortunately, the errors persist, leaving me no choice but to escalate this issue for resolution. 
I request that the CFPB intervene and ensure that the credit bureaus promptly investigate and correct these inaccuracies. I also request a written confirmation once the corrections are made. 

This issue is urgent and directly affects my financial stability and opportunities. Please feel free to contact me for any additional information or clarification. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX
Product: Credit reporting or other personal consumer reports

Gave me a phone number " Fraud '' department that never allows a live XXXX contact or any other way to change their incorrect information and also will not send a hard copy of credit report but sent it to att email which is not secure!
Product: Mortgage

Under Florida law, extrinsic fraud constitute fraud upon the court. XXXX v XXXX, XXXX XXXX XXXX ( Fla. XXXX ), superseded by rule on the grounds as stated in XXXX v XXXX, XXXX XXXX XXXX, XXXX XXXX ( Fla. XXXX DCA XXXX ) . In XXXX   v XXXX, XXXX XXXX XXXX ( Fla. XXXX ), the Florida Supreme Court relied upon XXXX  to distinguish extrinsic fraud from intrinsic fraud, emplaning that extrinsic fraud occurs where a defendant has somehow been prevented from participating in a cause. 

Extrinsic fraud involves conduct which is collateral to the issues tried in the case. Moreover, the courts defined Extrinsic fraud as the prevention of an unsuccessful party from presenting his case, by fraud or deception practiced by the adversary ; keeping the opponent away from the court. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Florida, is the debt collector for Flagstar Bank. A foreclosure action was filed and we responded to the court by requesting additional time to respond to the compliant. When a defendant files a motion for enlargement of time, tow things may occur, 1. The court may set the hearing date of just enter an order either granting the time. 2. The plaintiff may also set the hearing date, however under Florida Civil procedures, plaintiff must serve defendants with notice of hearing, without you can not expect the defendant to show up when not receiving notice. The debt collector for Flagstar has engaged in unlawful civil practices such as Extrinsic fraud by not serving us with the notice of hearing seeking the court to enter default against us. We want to make the CFPB aware that Flagstar Bank has taken this unlawful fraud upon the court in retaliation of the two open complaint referenced under No. XXXX, and complaint no. XXXX
Product: Credit card

Barclaycard sent me balance transfer checks in the mail. I deposited one into my checking account and they did not pay it because they said I did not have the full amount available. I looked at my recent transactions and I did swipe the card taking me under the {$500.00} that I wrote the check for but I had the charge reversed. The reversal of the charge is dated on XXXX/XXXX/2016 the same day that the charge was made. Barclaycard got the balance transfer check on XXXX/XXXX/2016 and they did not honor it. They told me that they did not post the credit to the account before they posted the debit to the account. Them not paying the check resulted in my bank charging me XXXX NSF fees and a charge back fee totaling {$100.00} Barclaycard tried to also charge me a {$27.00} returned check fee that they did reverse but I feel extremely disappointed that I had to pay {$100.00} because they did not pay my check.