23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Servicing has refused to offer us a mortgage modification or any other program to keep our home. They are bent on selling this home that is home to my XXXX minor children. I have been sick and have not been able to earn money. I informed them about it. It will take me time to come up with the funds to make payments. 
I have pleaded with them repeatedly to give me time to make payments or some sort of modification so that I can keep my home. But, they have refused and have sent it to a lawyer for a foreclosure sale.
Product: Mortgage

I sent my XXXX payment on XX/XX/XXXX. When I got my statement for XXXX I paid the XXXX charge, but did not notice at first that they didn't credit my XXXX payment. I called and they dropped the late charges and all late fees. I have never been late so I called them to see why they didn't credit my account. They stated the XXXX rent was never received.. 
I did send a letter to Chase and asked that they look into this. They did but I got no satisfaction. 
Since they now had the XXXX payment I said apply it that to XXXX and I gave them access to my checking account to deduct the XXXX payment. I stopped [ payment on the XXXX check, and I do have evidence of that. 
I told them that they should not report me to the credit bureau as a late payment as the mails have been late. I got letters from the utility companies that payments were being received late and they understand and were not charging late fees and would not report it as late. 
I cant understand why they would report me to the credit bureau as I paid the bill when I spoke to them and when I found out it was late I took care of it. 
The mails were late and I feel 100 % justified in requesting that they not report me as delinquent. This may not seem like much but I am XXXX XXXX XXXX and I try very hard to keep my credit in good standing. When they reported me to the credit bureau my credit score went down from XXXX to the low XXXX 's. 
Since they dropped the late fee and since it is a fact that the post office was having issues delivering mail on time they should eliminate the delinquent notice to the credit bureaus. 
Can you descrimnate against me thinking that I cant do anything. I feel that they know that I am locked into this mortgage and I cant refinance with this on my record and my score dropping so low. This bank is charging an interest rate of 4.5 % and I am paying a premium for this mortgage and they have me stuck with this situation for no reason at all. I hope that you can help..
Product: Checking or savings account

This is a follow-up to CFPB complaint : XXXX. 

Capitol One Bank has replied to the CFPB, OCC and me with a bland non-answer to my concerns about how the bank allowed not XXXX but XXXX accounts to be opened in the name of my company. The company has confirmed that the account was closed -- - even though there were XXXX accounts -- - but it has not replied to any of my other inquiries. 


Capitol One Bank was in clear violation of federal Know Your Customer / Know Your Business requirements, and it has failed to respond to my inquiries about who opened the account, how it was opened, where it was opened, or any additional information. 


Instead, the bank told me to visit its security page online to learn more about Capitol Ones commitment to fighting identity theft. I dont care XXXX whit about its supposed commitment -- - I want to know who opened the accounts in my companys name, what action Capitol One Bank is taking to protect my companys credit reputation, and how it allowed this XXXX XXXX XXXX infraction to happen in the first place.

CapOne Bank is putting the onus on *me* and XXXX XXXX to sort out a mess *it* created. 

Thats unacceptable. 

The CFPB should follow up with CapOne Bank about its clear XXXX XXXX XXXX violations, and advise me and my company what action the CFPB has taken against CapOne for those violations. 

In addition, as remediation : -- - CapOne Bank must notify the personal credit bureaus and the business credit bureaus ( like XXXX XXXX XXXX ) of the identity theft, and assure that the information is provided to them. 

-- - CapOne must provide me with information about where the accounts were opened, what type of accounts they were ( checking / savings / debit cards issued, etc. ), how they were opened, and what steps it has taken to protect my companys and my identity. This is not a requirement for *me* to handle ( as suggested in the CapOne Bank letter from XXXX dated XXXX XXXX ) ; this is a requirement for CapOne Bank XXXX which allowed the identity theft in the first place.
Product: Checking or savings account

XXXX XXXX I made a purchase for XXXX online from XXXX XXXX XXXX they took the funds from my account. Later on that evening the bank took a total of XXXX in two separate transactions one for XXXX and another for XXXX the online order from XXXX XXXX XXXX. I received an email stating that the items were shipping as two separate orders. This isnt the first time this has happened at Bank of America. Ive contacted them several times about this problem they always say its the company that you are ordering from. Im not sure but if its not the banking system then Ive been Hacke by a larger company.
Product: Vehicle loan or lease

Credit Acceptance has been and still is to date, violating my federally protected rights not only under the TILA but FDCPA and the FCRA. Credit Acceptance is using Extortionate means to coerce and swindle me into paying a alleged debt that is primarily for family, personal and household use violating 18 USC 894. It is unlawful to punish a consumer on an extension of credit and the employees/agents of the company that has handled this account assume criminally liable and can face up to 20 years in jail. Credit Acceptance has violated the FDCPA infringing upon my rights to privacy, sending a 3rd party repo company flashing there lights on my home with the intent to harass and oppress me into paying the alleged debt disregarding my Cease and Desist violating 15 USC 1692c ( c ) and 15 USC 1692d. I am now ACTING IN GOOD FAITH giving your company a chance to rectify this dispute. Check attachment!
Product: Credit reporting or other personal consumer reports

I recently discovered that my personal information was compromised due to a security breach within the systems of the three major credit bureaus XXXX XXXX XXXX, XXXX, Experian ). This breach allowed unauthorized parties to access and misuse my personal data, which has led to inaccuracies on my credit report. These inaccuracies are directly impacting my financial reputation, and I am requesting immediate action to correct the errors resulting from this incident.
Product: Checking or savings account

So my Chase Checking account went into a negative balance due to some claims that i filed even though Chase reimbursed my money.The reason my account went negative was because Chase took the money from my account after putting the money back in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on the following account reporting on my credit report does not belong to me this is a violation of my rights & is affecting business opportunities. 

Account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been apart of Equifax 's data breach including 17 other breaches that have exposed my social security number along with my personal information. I would like all accounts checked properly. I want original copies of the accounts on my credit report to show me physical original documents that prove these fraudulent accounts are min.
Product: Vehicle loan or lease

XX/XX/XXXX payment-On time XX/XX/XXXX payment-On time XX/XX/XXXX payment- On time XXXX XXXX showing 30 day late XX/XX/XXXX payment-On time XXXX XXXX showing 60 day late XXXX XXXX-showing 90 day late XX/XX/XXXX XX/XX/XXXX {$700.00} pd from checking XX/XX/XXXX {$280.00} pd from checking XX/XX/XXXX {$280.00} pd from checking XXXX XXXX showing 30 day late XX/XX/XXXX XXXX {$280.00} pd from checkinXX/XX/XXXXshowing 30 day late XXXX XXXX showing 60 days late XXXX XXXX-showing 90 day late XXXX XXXX showing 120 day late
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about Equifax Credit reporting. I have tried to get my report from Equifax 3 times now and I keep getting the same message ( I can not get my report online ) they want me to send documents to them proving my identity. I have had no problem with XXXX XXXX or XXXX and have been able to get my reports from them. I am sure the problem comes from my disputes with XXXX. They had all kinds of things in my report that affected me very badly concerning job applications being refused. I am an honest person, I do not have a perfect background, however, I own up to my mistakes of the past and do not need any more derogatory items on my report. When I questioned XXXX as to where they ascertained the information they had, I was told it came from Equifax. I am XXXX years old all I am asking is for the information on me to be reported correctly. This is just getting very old, I am tired of defending myself. I am a nice person, I only want to be treated fairly. If it is so hard for these companies to be responsible for reporting information correctly maybe it is time to sue them and let them know this is not a game and people deserve not to be slandered. 
Thank you for your help. 
XXXX XXXX XXXX XXXX Bless America
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the inaccurate information on my consumer report but it has not been changed and is currently in dispute Pursuant to 15 usc 1681a ( 3 ) This company assumed this role without permission not only that This company did not have my consent. This company did not respect my privacy which is under 15 usc 1681a ( 4 ). This company did not exercise their grave responsibility,. This company was unfair partial, unjust, and careless. Pursuant to 15 usc 1681b ( 2 ) this company never had permissible purpose. I never instructed anyone from this company to furnish this report and I never consented to the reporting in the first place. 
What I demanding right now is that the company delete this account/report immediately within 4 days.
Product: Credit reporting or other personal consumer reports

I have tried to resolve these matter with the 3 credit bureaus for misinformation and to this date nothing has been done...
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX I sent a copy of my identification to verify my identity, and remove any old addresses. I also requested they take an incorrect spelling of my name off of my report. Experian deleted old addresses, sent me a copy of my report, but did not remove the incorrect spelling. I have never gone by this name. They wont remove it.
Product: Mortgage

Never got confirmation of auto pay so made payment online. Payment went thru twice and filed paperwork to have it credited and Arvest did not do it in their promised period of tome once payment cleared. Apples for refund of overpayment on XX/XX/21. They emailed confirmation of receipt and never credited it. Called customer service which has not given any answers to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNTXXXXXXXXXXXXXX REPORTS LATE PAYMENTS ON ALL 3 BUREAUS IN AN INCONSISTENT CONFICTING MANNER.THIS HAS OCCURRED AFTER NO LESS THAN 3 ATTEMPTS AT ACCURACY BY DISPUTE WITH EACH OF THE BIG 3. 
I HAVE ATTACHED A THIRD PARTY RECENT REPORT BY XXXX.THIS REPORT ON XXXX SHOWS A 30 DAY LATE IN XXXX OF 2016 AND A 60 IN XXXX OF 2016.ON TRANSUNION WE SEE NO LATES WHATSOVER. ON XXXX WE SEE A 30 DAY LATE IN XXXX OF 2016. 
DUE TO THE FCRA, THE NUMBERS OF DISPUTES PER BUREAU, THE LACK OF THE VERACITY OF INFORMATION TRANSMITTED BY XXXX  XXXX XXXX I WOULD ASK IN THE INTEREST OF FAIRNESS UNDER THE LAW, THE LACK OF FAITH IN ACCURATE REMEDIATION, THAT THE ACCOUNT BE DELETED FROM ALL BIG 3 BUREAUS.
Product: Debt collection

Misrepresentation of XXXX XXXX XXXX XXXX XXXX in XXXX Apartment In XX/XX/2023, I ordered XXXX XXXX XXXX XXXX internet for my XXXX  at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. The service was to be installed in both XXXX  and the XXXX XXXX 

Before installation, an XXXX XXXX XXXX  representative XXXX XXXX, XXXX ) visited my apartment to assess the situation. He was informed that the fiber line only reached a XXXX, requiring wall installation to reach the desired XXXX. This information was relayed to the installation technician. 

However, upon arrival, the technician refused to run the fiber through walls, stating he could only connect to the existing junction box in the XXXX. He offered a workaround : splicing the fiber onto existing copper wiring for the other XXXX. I declined this, as it would compromise the promised fiber speed and negate the purpose of ordering fiber service. 

The technician contacted his supervisor but later confirmed they wouldn't run fiber as requested. XXXX XXXX XXXX only installed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( although I specifically wanted wired fiber ). Within XXXX hours, I cancelled the service and returned the router. 

Despite never actively using the service for more than the installation technician 's visit, I received a debt collection notice from XXXX. I disputed the claim and requested proof of service and account activity. They never provided any documentation but proceeded to report the alleged debt to credit bureaus, tarnishing my credit score. 

Summary : XXXX & XXXX misrepresented their ability to install fiber throughout my apartment. 
Despite no service usage, I was falsely listed as a debtor and reported to credit bureaus. 
I demand XXXX retract the false information and provide proof of any valid claims.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I am NOT a 3rd party. I am a natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report.

I AM DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!

PLEASE NOTE THAT I AM PERSONALLY AUTHORIZING THIS DISPUTE AND THE TRUTH IN LENDING ACT, CONSUMER CREDIT PROTECTION ACT, AND FDCPA VIOLATIONS YOU ARE BREAKING U.S. FEDERAL LAWS! 

I have previously sent correspondence to PNC Bank on XXXX XXXX in reference to a charged-off account that was previously reporting under my name with PNC BANK.I disputed said account in question # XXXX and asked PNC BANK to validate/verify the inaccuracies associated with said account. Instead, PNC BANK updated a charge off account to the credit reporting agencies which caused the account to re-age which is illegal affecting my credit score. 

This account was charged off and sold to XXXX XXXX XXXX ( see attached letter from XXXX XXXX XXXX ) Despite the transfer of debt ownership, PNC Bank continues to report the charge-off to the credit reporting agencies, which is inaccurately re-aging the debt and causing signifiant harm to my credit score.I am bringing this matter to your attention to request immediate action to rectify this situation and to cease these unlawful practices.

Upon reviewing my credit reports, I have found that the continued reporting of this account by PNC BANK is not in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Credit Protection Act ( CCPA ). The FDCPA, under 15 U.S.C. 1692e, prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. By continuing to report a debt that has been sold and is no longer owned by PNC BANK, it can be argued that PNC BANK is misrepresenting the current status of the debt. 

Furthermore, under the XXXX, specifically the fair Credit Reporting Act ( FCRA ), it is required that any information reported to the credit reporting agencies be accurate and verifiable. Since the debt no longer belongs to PNC BANK, the continuation of reporting it as a charge-off from PNC BANK XXXX the FCRA 's stipulations for accuracy. 

therefore, I respectfully demand that PNC Bank immediately ceases the reporting of the charged-off account # XXXX to ALL three major credit reporting agencies ( XXXX, XXXX, and XXXX ) and promptly takes action to delete the record of this account from my credit reports. 

I would like to resolve this matter amicably and expediently. I ask that PNC Bank provide me with written confirmation that the reporting of this account has been stopped and that the account information has been DELETED from my credit reports. Please send this confirmation to my address on file. 

If this issue is not resolved within 15 days of this complaint, I will have no choice but to consider further action.
Product: Mortgage

I received a mortgage with First Franklin Financial in XX/XX/XXXX. When the mortgage crisis hit its climax, my loan was in default and I was in foreclosure. By the end of XX/XX/XXXX I was going through a modification approval process with First Franklin Financial and during this process my loan was transferred or sold to Bank of America. I did not know my loan was being served by Bank of America until one day I receive a large envelope informing me to forward all paperwork for modification to them. I contacted their toll free number and informed the representative that I had all ready submitted all paperwork to First Franklin Financial. The representative told me that files were being uploaded electronically and it would take awhile, so it was, therefore, in my best interest to resubmit all paperwork. I did never heard anything from Bank of America. Instead, I received paperwork informing me from another company XXXX XXXX XXXX that Bank of America no longer owned my loan, but they now owned it. I never made any payments to Bank of America. All XXXX of my credit reports re showing different amounts of information. The reports are showing that the last payment I made to Bank of America was in XX/XX/XXXX. I have never made any payments to Bank of America. I have sent several letters and initiated various disputes with the credit bureaus disputing the account. Every single dispute has Bank of America responding that the information is correct as it is on the credit reports. I have sent letters to the company myself requesting for written documentation/verification, but I have not received anything. This account is over XXXX years old and meets the qualifications to have it removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Product: Mortgage

Dealing with Shellpoint Mortgage Servicing 1. Received first letter dated XX/XX/XXXX requesting proof of hazard protection coverage. This is covered by our Homeowners Assoc policy. 
I replied to them on XX/XX/XXXX attaching a copy of our insurance policy.

On XX/XX/XXXX they confirmed that they had received the document. 
2. Received second and final notice from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and threatening to take out insurance cover on our behalf. 
I replied on XX/XX/XXXX stating that I had already sent a copy of the insurance and please do not charge us for any insurance. 
On XX/XX/XXXX they replied and apologized for the confusion caused and said to ignore the letter of XX/XX/XXXX. They stated your insurance is updated and no further information is required. 
3. Received third letter from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and stating that they have placed lender insurance coverage on our property at a cost of {$2200.00} and that our monthly payments will be adjusted to cover this cost. 
I replied on XX/XX/XXXX to say that they must have made an error as we have already given them proof of the insurance and they have confirmed receipt of this, and that they MUST NOT charge us for insurance.
Product: Mortgage

We have been trying to get a deed in lieu of foreclosure from Wells Fargo for more than a year. They told us we had to vacate the home by XXXX XXXX, which we did. Then the excuses for why they could not complete the deed in lieu started. The title had not been cleared because Wells Fargo had not had the prior lien with XXXX XXXX XXXX released when they financed this loan. Wells Fargo told us we had to get XXXX to do release the lien and XXXX told us Wells Fargo had to do it. Since they are the servicing agent and originator on this loan and it was sold To XXXX XXXX, this seems to be a problem they would want to fix asap. ( Breach of fiduciary duty at the least, mortgage fraud at the worst, neither a good position to be in for Wells ) They inspected the property, and changed the locks. Then they twice halted the deed in lieu process because they said they could not get access to do more inspections. We reminded them that they changed the locks and had the keys so they sent us a set of keys that did not work. I have repeatedly asked Wells to provide the name of the title company so that we can have them address the title issue, but to no avail My friend who owns the home is a XXXX survivor and has doctors orders to avoid stress. Thus, I have taken over the daunting task of talking to these well meaning but inept people. We need to get rid of this house and Wells Fargo is obstructing the process.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit file. I am a victim of a data breach, and these accounts were added without my knowledge or authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these entries removed. 
Accounts to Be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$11000.00}