23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been making payments for over XXXX years to Capital One ( previously XXXX XXXX ). When Capital One took over XXXX XXXX, Capital One would charge me $ XXXX yearly in fees, which I did not have to pay originally with XXXX XXXX. 
In addition, every month for the past XXXX years, I have paid their interests fees, 3.25 % and some Principal, but my loan has never reduced to a logical financial satisfaction. In fact, my loan has increased. 
On XXXX XXXX, XXXX, I submitted a package to reduce my interest rate and therefore to reduce my Principal balance, due to a hardship ; and have spoken to and received letters from approximately seven different people. 
Lately dealing with XXXX XXXX, Loss Mitigation Specialist ; but she has misplaced some documents which I submitted. Unfortunately, I have misplaced my copies and requested a copy from them, but it was denied. All documents that I submitted were via Post Office, I do have a {$10.00} returned receipt. However, in her letter she does admit there were XXXX pages. XXXX XXXX, also requested additional documents that stated " no later than Friday '', XXXX XXXX, XXXX. The letter states that if Capital One does not receive the documents by that date, it will be denied and I would have to start another application package. 
Therefore, I am submitting documents and basically a new package again by Friday afternoon, XXXX XXXX. 
P.S. Not once in XXXX years have I been late in any payments.
Product: Mortgage

This is our final attempt and notice demanding refund/credits, and mortgage payment to be returned to {$1100.00} as per the loan closing contract signed in XXXX. 

Since XXXX of XXXX we have attempted to resolve this out of court, with no results on your part. This is a follow up of a previous complaint, that surprisingly enough as of today XX/XX/XXXX United wholesale mortgage do not want to finally resolve this issue created only by this company, violating the selling contract and ignoring the law and rights we have. 
Since XX/XX/XXXX United Wholesale Mortgage has unlawfully charged our loan account with unlawful charges and has unlawfully created escrows account when not need it. Despite many occasions that we have proved that we pay our own taxes and insurances, without ANY gap in coverage. 
We have been compliant with all the requirements regarding insurance and taxes and XXXX months now have passed with no final resolution/clarification in the mentioned matter. 
This situation with UWM has cost us additional damage, mental anguish, trauma and stress that just last week took me to the XXXX room. 

Please refer to the attached letter from XXXX XXXX dated XX/XX/XXXX : XXXX your loan closed with no escrow account requirement and you are responsible for the payment of hazard insurance premiums XXXX This letter also mentions an for escrow shortage in the amount of {$79.00}, on XX/XX/XXXX a payment of {$94.00} was made which was directed to be pay towards the mentioned escrow shortage above. 
On XX/XX/XXXX I immediately called to the XXXX resolution team at the XXXX XXXX XXXX to clarify that this payment was to be directed to the escrow shortage of {$79.00}, despite several phone calls, and us be very proactive to clarify all of the mentioned above, NONE OF THIS HAS BEEN RESOLVED. ***please find the attached call log.
Product: Money transfer, virtual currency, or money service

Called USAA about the same Mysterious transfer from the USAA account to XXXX XXXX XXXX XXXX called XXXX XXXX  XX/XX/year> ended XXXX Name of rep : Rep answers after auto prompted remind me of survey following end of call. 

Rep : How can i assist you today? 

My response : I need to know who initiated/authorized the XXXX XXXX  transfer of {$3600.00} out of my account to XXXX XXXX XXXX? 

Rep : I do not know. it was withdrawn as a collection. 

My response : What is your bank regulations on a checking account being transferred out of thin air with consent and labeled as a collections? 

Place on hold Rep : I will check pay bills account info to see if we have more info. we do not have more info. The company is with drrawing directly from your account My response : Please stop that {$3600.00} payment from XXXX XXXX  on XXXX XXXX. 

Rep : I will not a date for the future charge to this account. 

My response : No mam I need the XX/XX/XXXX pending charge stopped Rep : I CAN NOT stop that charge. But I will need a future posted date when to stop a charge from this bank? 

My response : The name of the person in charge of your department? ( she did not give the me information ) Rep ended called with no survey. As stated, The representative could not stop pending " collection charge from my account ''
Product: Debt collection

XXXX  is claiming I owe them {$270.00}. I have had this removed from my credit report several times already. I spoke to a lady at XXXX fraud office. She said they were investigating lots of false accounts and she was sure I was being falsely charged being I have never had XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Transunion to notify them that account ending in XXXX was not mine. It was a fraudulent. They did wanted to take my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is not consistent across 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

Report has been removed from XXXX for being fraudulent, report has been removed from XXXX for being fraudulent. Company continues to report to trans union without my consent and has continued to do so for months on end. Company has received a cease and desist for improper communications and violations yet continues to leave issue unresolved. Company would not validate debt and instead attempted to request cease and desist be lifted
Product: Debt collection

NCA claims that they could not find and records of my dispute. I have complete numerous web application via NCA Disputes and Debt Validation webpage. I will attached the latest submission to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been found out that you are not REMOVING items 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 legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX & XXXX XXXX/XXXX/XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX CT XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX PA XXXX XXXX Balance : {$320.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$550.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy on my credit report that does not belong to me I have called the court house on the account and the bureuas regarding this the courthouse says they can not verify this and the bureaus are not doing anything about it. I need these off my credit report these are not mine and I dont have to pay for someone elses mistakes!!!! 

US BKPT CT NV XXXX XXXX  - Reference Number XXXX Also one account on my XXXX that is not mine and I dont even know what it iks for XXXX XXXX - Account # XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX refused to update my account with XXXX XXXX. I sent them a 1099 c form and told Equifax the debt has been canceled by XXXX XXXX. They forgave the debt. While I still have to pay taxes to the IRS on this debt, I no longer owe XXXX XXXX. 

I submitted the documents to Equifax on XXXX that XXXX XXXX sent that clearly says THIS DEBT IS CANCELED. 

Equifax said they did an investigation and contact XXXX XXXX  who claimed nothing changed and did not change it to a XXXX balance. XXXX. 

If XXXX told them that I still owe them then the 1099. c form is fraud. I uploaded the 1099 c form to all 3 credit reporting agencies, XXXX Exquifax and XXXX XXXX. 

The only one who agree to the change was XXXX XXXX. While they did not remove the it off their credit report, at lease XXXX XXXX honestly looked at the 1099 C form from XXXX Bank and agreed I no longer owe this debt per XXXX XXXX. In turn, XXXX XXXX rightfully shows a XXXX balance owing to XXXX, while in XXXX and Equifax. deny I don't owe and left the balance unchanged. 

XXXX and Equifax told me to contact the XXXX and ask them for proof. I did contact them after I recieved the 1099 c form and the agent said I do not owe XXXX  it was forgiven, it was canceled as stated on the 1099 c form. The only reporting agency who is reading it correctly and making the proper changes is XXXX XXXX. 

Leaving me with an outstanding balance to XXXX by XXXX and Equifax is misleading to consumers who check my credit and kinda fraudulent and unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries I did not approve
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/ but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$490.00} XXXX XXXX  Balance : {$180.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$180.00}.
Product: Credit card

It all started on XX/XX/XXXX, with an unauthorized charge all the way across the country in a state I have never even been to at a company I have never visited, company being XXXX. The initial charge ( s ) prompted me to lock my cards and reorder them, causing me to contact the bank to resolve the issue by filing a dispute on the original charge it being {$84.00} and placed on my credit card provided by the bank. After re-ordering my card, a second and third charge, was placed on XX/XX/XXXX at XXXX in Washington state once again, being {$23.00} AND {$30.00} respectively. These XXXX prompted me to call the bank. Their explanation being, " It was forced through the merchant and has nothing to do with them, '' later denying my disputes and claiming I did indeed somehow possibly spend money at a grocery store XXXX miles away from me. This prompted me to move my money to a new bank account. 

After moving my money on XX/XX/XXXX, XXXX more charges at XXXX were placed, {$47.00} and {$42.00} dollars respectfully. This caused more contact with the bank and file more disputes. Additionally, my account had overdraft XXXX, supposedly not allowing my account to be in the negative at this point. Even after initiating an account closure on my credit card on XXXX XXXX and receiving a confirmation Email stating the following : " Weve received your request to close your XXXX XXXX account. Your card is now frozen and you wont be able to use it for future purchases. Well send you your final XXXX XXXX statement at the end of the billing period after your account has been closed. '' Even after being told my account was frozen and making a last stitch effort in closing the credit card account, STILL repeated unauthorized charges across the country appear on a " XXXX '' credit card. 

On XXXX XXXX, a XXXX charge ( {$53.00} ) was yet again processed, which was paid for automatically by my federal tax return being deposited into my account, further losing me money which is rightfully mine. After repeated attempts to rectify this situation and repeated impossible unauthorized charges with the bank, while being told I made the purchases and having my disputes repeatedly closed and denied, losing me hundreds of dollars combined, which I only paid out of fear of negatively impacting my credit, I eventually made the decision to close the checking account as well, being told it would take up to 30 days. 

Leading us to today, XX/XX/XXXX where in {$330.00} consisting on XXXX separate transactions being {$130.00}, {$84.00}, and {$120.00}. All of which are unauthorized and a repeated blatant fraud that is continuously being allowed by my former bank on a credit card in-which I was told was being closed and is frozen. 

All of the about transactions were disputed and denied, minus the XXXX most recent today. which are still considered open because I have just disputed them.
Product: Debt collection

I got XXXX XXXX XXXX, and unfortunately I had to enter an emergency due to my level of pain, they treated me as it should have been, but the XXXX was postponed, after that I only received a XXXX instead of XXXX XXXX XXXX. They left me for observation for XXXX days despite the fact that my state of health was controlled and the surgeon did not show up to explain the current situation or why they left me an extra day. This whole situation arose when I did not have health insurance. My medical expenses insurance was discharged XXXX week after my XXXX, I received an account statement of XXXX XXXX dollars and no one approached me to review payment options, I have tried many times to dial them, and I even went to look for financing but without any response, this week I realized that they sent my balance to collection even though no one answered me and that they have not been able to call me back to fix or solve the situation, I want to see if there is any way to find a foundation that Help me pay my current debt or, failing that, look for the option for the hospital to give me a discount on the services applied, thank you.
Product: Debt collection

A company named Summit Receivables has been calling my cellphone and now theyre calling my job. I had a payment plan set up with them back in XXXX. I missed one payment. Theyve been threatening this 24 hour notice and that was 1 month ago. I dont know if Im being scammed or not. Ive never known a debt collector to call your job everyday. I just started working here and its embarrassing. I have a lot of debt of course but XXXX never had this much harassment before. Other collection companies give me a lot more decency. There was also another number ( XXXX ) XXXX. They have called my job and did not even disclose who they were to my coworker. This cant be legal.
Product: Debt collection

On XX/XX/2019, ONLINE INFORMATION SERVICES, sent me a letter explicitly stating that they have closed the active collection account reporting my credit report ( s ) and were in the process of removing it. To date XX/XX/2019 the collection has not been removed from my credit report ( s ) and continues to negatively effect my credit and pursuit of happiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I, XXXX XXXX XXXX was contacted by XXXX  and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to engaging in a settlement for improper reporting that may have been done by XXXX. However, I, XXXX XXXX XXXX did not agree with the settlement and did not agree with what was being reported and/or was missing from my credit report. Therefore, the request is an effort to reconstruct the credit report of XXXX XXXX XXXX. Attached are receipts from two different Capital One Bank Credit Card accounts. One Capital One Bank Credit Card was discharged in a Chapter XXXX Bankruptcy. It was however in " good '' standing. The most recent Capital One Bank Credit Card was a reestablished credit card after filing Chapter XXXX and was agreed to be paid off outside of the Chapter XXXX Bankruptcy filed in XX/XX/2012. The account was paid as agreed until I was notified by my attorney to not make another payment because there had been a claim filed with the bankruptcy court. The account for that particular card is on the electronic check in the Re : section with the amount being paid as {$510.00}. The bankruptcy trustee report indicates that {$150.00} was paid to XXXX XXXX that alleged collection on behalf of Capital. This amount was in addition to the payment made by XXXX XXXX XXXX. 

The effort to reconstruct my credit report is to show that there was a positive history of paying creditor ( s ) despite having two bankruptcies that I was likely induced into because on each occasion my credit score was 650-680 or above going into bankruptcy and now it is likely 400 or less.
Product: Credit card or prepaid card

Every since XX/XX/ I have had several problems with my child 's ssa check and all of the money I was getting from unemployment, child support, income tax return etc and still this day I'm having this very same issue my prepaid card with XXXX  has been debited XXXX of dollars and none of which I approved lately every since my id and birth certificate ss card and all of these same documents for my children were stolen I have not been able to go prove who i am and the card company takes no responsibility for the money that has been taken from my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies may not report outdated negative information that is more than seven years old, or bankruptcies that are more than 10 years old. On 01/03/2023 I filed a dispute to the Equifax Consumer Reporting Agency that the accounts DEPT OF EDXXXXXXXX ( Opened XX/XX/XXXX ) and DEPT OF EDXXXXXXXX ( Opened XX/XX/XXXX ) are too old to be still negatively affecting my credit report and were supposed to have fallen off my credit report by XX/XX/XXXX at the latestyet even after Equifax investigated the dispute , Equifax did not remove the outdated account, which has sustained the potential for DEPT OF ED/XXXX ( XXXX XX/XX/XXXX ) and DEPT OF ED/XXXX ( Opened XX/XX/XXXX XXXX to negatively impacting my credit score beyond the date of XX/XX/XXXX, which has contributed to impeding me from improving my credit score to get the best available terms on future loans.
Product: Credit reporting or other personal consumer reports

I didn't initiate these investigations, and I don't have any connections with the creditors mentioned. Please remove them from my credit report without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX To Whom It May Concern : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX  by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 

Kind regards, XXXX XXXX
Product: Debt collection

This collection agency calls me continually over and over from different phones numbers even block call numbers. They are looking for a person who I do not know. I have no idea who this XXXX person is or why she gave out my number. I have been repeatedly asking them not to call me since I do not know this person but every 5 to 10 minutes they call back asking for this XXXX person. This company XXXX XXXX will not stop harassing me.
Product: Credit card

Applied for credit card with US Bank, asked for balance transfer to my existing credit card with another bank, online after receiving paper offer from US Bank for 21 months no interest. 
They approve account and opened it instantly, XX/XX/year>. 

Got letter from US Bank on or about XX/XX/XXXX, saying to expect up to two months for balance transfer to complete. 

Called US Bank mid March to inquire why I'm not seeing payment at XXXX XXXX  yet, but see the new balance on the US Bank card. Was told " we sent payment to XXXX XXXX XXXX, are you sure you don't have account at XXXX XXXX ''. That CSR said they would put stop payment on check to XXXX XXXX and send check to correct bank, XXXX. 

Called again on or about XX/XX/year>, to inquire status, was told XXXX XXXX had cashed check from US Bank already and that I SHOULD CONTACT XXXX XXXX and get them to send the money back to US Bank. I asked for supervisor, was told same thing, ask for another supervisor, again told that I should contact a bank I have no account with to claw that money back. I responded that US Bank made the error. I can prove it. They sent me a paper copy of the check they mailed to XXXX XXXX XXXX  and it shows my correct card number over my name ( that card number was the only thing the online system asked me for during the application process for the US Bank card ). But they sent it to the wrong bank for payment and that had nothing to do with me. 

I don't believe that I should be forced to try and chase down that money from XXXX XXXX, that US Bank should have to do that. It's crazy, how could I contact a bank I have no account at and demand they send another bank money back which they received in error. Without me having any account at their bank, how would they even look for those funds? 

The copy of the check shows it was dated XXXX and was cashed on XXXX and signed by a XXXX XXXX It was sent by Elan Financial Services Agent for U.S. Bank National Associates Pay to the Order : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX see attached images of the check