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

There is fraudulent activity on my credit report. I recently received my 1099 copy B from this IRS from both XXXX and XXXX XXXX XXXX XXXX XXXX XXXX The IRS accepted both documents I filed 1099C with XXXX and 1099A with Premier. 
I expect these accounts on my credit report to be resolved immediately due to the Securities Exchange Act, as well as the Federal Reserve Act Section 29, 12 CFR215.11, due to breach of fidicuary duties. 
My consumer rights have been violated and there are numerous UCCs that support my claim.

15 U.S. Code Chapter 41 15 U.S. Code 1693 UCC3-419 15 USC 1692a ( 3 ) 15 USC 1681a ( c ) 15 USC 1602 ( i ) I am aware of both the indenture trustee and trustee of both XXXX and XXXX XXXX XXXX and if this matter isnt resolved, I will have to take legal action within 30 days of notice.
Product: Debt collection

AS OF XX/XX/year> I HAVE HAD OPENED A DISPUTE WITH XXXX XXXX REQUESTING THE VALIDATION OF DEBT. THIS WAS NOT COMPLETED MY ACCOUNTS HAD BEEN CLOSED AND SOLD. I ALSO WAS REQUESTING THAT XXXX XXXX SEND ME THE COPIES OF THE 1099 USED TO DISCHARGE THE DEBT THAT WAS SOLD TO A 3RD PARTY ZWIKER AND ASSOCIATE3S PC AND IS STILL BEING REPORTED WITHOUT MY CONSENT. A DEBT COLLECTION LEGAL ENITY THAT HAS THREATENED ME WITH LAW SUITS AND LEGAL ISSUES. I RECENTLY FILED A UCC 1 FINANCE STATEMENT ON XX/XX/year>. THE UCC 1 FINANCE STATEMENT HAS ALL OF THE CREDIT CARD AMOUNTS AS COLLATERAL AMOUNTS ON ACCOUNTS ARE {$530.00}, {$6200.00}, {$12000.00} AND {$540.00}. THESE AMOUNTS HAVE BEEN PAID WITH XXXX XXXX INSURANCE AS WELL HAVE BEEN DISCHARGED MY XXXX USING A TAX FORM 1099. I HAVE REQUESTED COPIES ONLY TO RECEIVE NOTICE FROM ZWIKER & ASSOCIATES P.C FOR THE AMOUNT OF {$12000.00}. I ASKED THE COMPANY FOR A AFFIDAVIT OF TRUTH TO VALIDATE THE DEBT BUT THEY SENT a notice of the account summary. I explained I FILED A UCC1 AND THE HUNG THE PHONE UP ON ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Leased vehicle as total loss. Insurance fully compensated company and paid company. Have disputed for years, but remains as a " repo '' on my account and displays as over 180 days late. It should show paid off in full. XXXX provides a XXXX balance on the account. Equifax and XXXX refuse to correct the information, XXXX however, resolved the dispute and corrected the information immediately.

Colorado US District court XXXX
Product: Credit reporting or other personal consumer reports

I have incorrect late payments showing up on my credit report. I need them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX XXXX and Experian since XXXX XXXX, XXXX. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was incarcerated during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help me.
Product: Checking or savings account

I have been a loyal customer of Chase Bank since XX/XX/XXXX, never had any issues with Bank until recently, On XX/XX/XXXX when I logged into my Bank account, I have noticed there were Unauthorized/Fraudulent transactions happened, where funds ( {$2000.00} ) have been transferred to XXXX XXXX on XX/XX/XXXX. I called Chase Bank immediately to report unauthorized transactions. And I have reported the same to local police at XXXX XXXX XXXX Police Department in XXXX, PA., Spoke with police officer XXXX and briefed him about fraudulent transactions in my Chase Bank account and potential identity theft, and Case has been filed. Also reported the same to FTC at IdentityTheft.Gov. And also reported to all credit bureaus about potential identity theft and requested for credit freeze, I have requested Chase Bank to locked down my account and transactions until further notice or until I close my account. 

I have requested Chase bank to dispute {$2000.00} unauthorized transaction happened on XX/XX/XXXX. But Chase Bank closed my claim without resolving it.
Product: Student loan

I do not know what is going on here with all of the loans that are being taking out. Such as for room and board, housing, food, transportation, personal expenses. I told the school, and Aidvatage company to send back any money that was not being used for my tuition and fees, I have not received a XXXX from this school, or the loan company. I do not want any of the loan money that I have to re-pay back that I did not request. There has been several disbursements from the loan company that was supposed to be mailed out on certain dates that I was not informed about until I looked at the account and was never delivered to me. The amount of money changes quite a bit, I was charged over {$5000.00} for room and board just for a 10 week term. Every 10 week term, I am being charged for personal expenses, transportation, housing, food, etc. Where is the money at? and where is it going? I get pell grants, scholarships, I got enough to cover my full tuition. I get fafsa for low income. I do not live on campus and therefore do not need money for any sort of housing allowance. 


XX/XX/23 Direct Subsidized- {$4500.00} XX/XX/23 XXXX XX/XX/23 {$1500.00} XX/XX/23 {$1500.00} Unsubsidized XX/XX/23 {$350.00} XX/XX/23 {$840.00} Direct subsidized XX/XX/23 {$1000.00} Direct unsubsidized XX/XX/23 {$2300.00}
Product: Mortgage

The reason i am behind on my mortgage is because I have tried twice unsuccessfully to get my loan modified because my interest rate was at 6 % which was and is high compared to current and 10 year rates. 

each time during the modification process I was advised on the phone by my assigned representative ( XXXX XXXX XXXX Not to make my Mortgage payment because I was in a Active Modification. 

The last time I was in the process of applying for a modification XXXX-XX/XX/XXXX9 I  continued to make my payments and forwarded all the requested documents to Mr XXXX. i did not hear back from him for a couple weeks.I decided to call and check with him. He replied he never received the documents my email showed that they did. 
i told him I would re send them. I waited a couple days after not hearing from him. 
I called him back spoke with him told him I was putting my check in the mail he replied no don't send it we have a sell date. 
i am under the impression that Selene Finanace is practicing bad Loan servicing Practices. whenever I try contacting them with an issue I am shuffled between 2 and 3 departments and none knows what the other is doing or has done and it becomes a shell game. 

I have been paying on this Loan for 10+ years and none of my money is going to principal which i consider to be predatory Loan Practices. 

I do not believe Mr XXXX ever presented my Loan To the investor
Product: Debt collection

Re : Capital One Fraudulent Reporting of Account # XXXX To Whom It May Concern : I was checking my credit and to my dismay I have an entry on my credit report from Capital One. Capital One decided to change the dates on an alleged debt and to state a false reason saying that the last payment was in XXXX. This is a charge off debt according to Capital One, sold to a debt collector and allegedly mine which I deny. The law states that the Statute of Limitations is 6 years for credit card debts and that no collector will use abusive practices i.e, change the dates of a debt, which is when the last payment is made, that is what makes the clock run on time for debt collection, making this past the statute of limitations of collection. The FDCPA prohibits a debt collector from using a false, deceptive, or misleading representation or means in connection with the collection of any debt and prohibits a debt collector from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692e, 1692f. 

According to XXXX in XXXX, please note it was reported I was allegedly my last payment was on XX/XX/XXXX. ( REPORT ( s )  ENCLOSED ) According to Capital Ones own reporting the last payment made was XX/XX/XXXX, which makes the last payment on or around in XX/XX/XXXX. Further a collection account is considered a continuation of the original debt. It is a violation of law for a collection agency or original creditor to report old past-due amounts as if they are new again when the debts are sold. They are in violation of CT Gen Stat 36a-646 No creditor shall use any abusive, harassing, fraudulent, deceptive or misleading representation, device or practice to collect or attempt to collect any debt. This is also a violation of the FCRA ( Carbajal v. Capitol One, 2003 ). in reporting old debts with updated activity dates. According to the research I have done, it is illegal for a Creditor to falsely report dates on an expired date in order to collect any debt by changing those dates to suit their needs. This violates the FDCPA, Connecticuts state laws and FCRA. This is fraud and a deceitful practice. 

They are falsifying the dates to XXXX. Evidently they have a pattern since they were sued previously sued a collector under 15 USC 1692e ( 2 ) ( A ) ( see Rosenberg v Calvary, 2005 ). 

I want you to charge them and fine them for their willful and wanton conduct. This is disgusting and its a danger to consumers. All credit reports attached including one from XXXX. So were they lying in XXXX? I sent this to Capital One. Whether they choose to respond or not they lied and broke the law. 

Sincerely, XXXX XXXX
Product: Credit card

Primary credit card owner died XXXX. Discover sent a letter dated XXXX to the primary address stating we had 21 days to work with Discover before Discover sending the account to a collection agency for resolution. I called Discover on XXXX to find out the amount of the debt ( the final statement was still in the mail ) and make payment. Discover had already sent the account to the collection agency - sent for recovery before the 21 days expired. My name was also on the credit card account. I never used the card and forgot that my name was on it. I paid the debt with Deceased Case Management and fear that the delinquent debt will appear on my credit report and affect my credit score. No one at Discover could explain why the debt was sent for collection before expiration of the 21 days or why we did not have the opportunity to pay the debt after the last statement was delivered to the deceased address..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I lled out a form with rocket mortgage requesting more information about their loan programs. I was at work when I received a phone call shortly after. I stated repeatedly that I was at work and was unable to talk while the agent, XXXX, continued to ask questions. He asked for my social security number so we could " get things started '', which knowing I was speaking with a legitimate company I gave not knowing or at the very least having heard him say that his intention was to run my credit. I hung up the phone and immediately received a notication that there had been a hit on my credit report. I have spoken to multiple individuals expressing that my intentions were not to get a mortgage or have my credit run and asked to have it removed from my credit report. When they refused I asked them to let me hear the recording where I provided consent to have them run my credit. They have since refused to let me hear proof of consent and doubled down on their refusal to remove the inquiry
Product: Credit card

I was sent info that Kohl 's XXXX  Credit Card COULD be converted to a Capital One Card. I called and they said I did not have to agree to that. I did not ever agree. They mailed me a Capital One card with a letter asking me to activate it and promoting the benefits. I never activated. I made a purchase at Kohl 's and intended to pay cash but she told me I didn't have to accept or use the Capital one ; I could use the old Kohl 's card and Kohl 's would bill me like usual ; not Capital One. I never got a statement from Kohl 's so I simply paid Kohl 's with online banking. Then today, a week later I get a statement from Capital One showing I owed the same amount to Capital One. I had already paid Kohl 's for that purchase. I called. The man explained it might take a while to reflect. I assured him I did not open or authorize a Capital One account. Nor did I give Kohl 's permission to share my info and open an account with Capital One. The statement said I could close the account. Capital One ( on hold a long time to reach someone ) wanted my name, address, social, phone numbers and email in order to tell me that I can not close the XXXX balance account unless they agree and in order for them to agree, I had to agree for them to share all my private information with their affiliates. I refused. Furthermore, they took over XXXX minutes of my time to explain my account was converted without my permission and found it humorous that this was done. They said they did not need my permission for Kohl 's to have converted the account. They refused to close my XXXX balance account unless I accepted the card and agreed to have them share my private info. I mailed a letter explaining again that I never authorized the account to be opened in the first place and want it closed and instructed them to close the account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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, credit repair services, or other personal consumer reports

ACIMA CREDIT FKA XXXX has yet to resolve the pressing matter I have disputed with them in regards to the reporting of inaccurate information on my personal credit report, I have no recollection of this account and have previously informed them that I was a victim of Identity Fraud due to various data breaches. Multiple attempts have been made to resolve this issue with ACIMA CREDIT FKA XXXX. Unfortunately, the problem remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$770.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$2400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$5100.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$1900.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Product: Credit reporting or other personal consumer reports

My account with VXXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 USC Code 1681eb. 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 60 days 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 8
Product: Mortgage

Please see the attached statement of payment activity from Mr. Cooper. On XX/XX/XXXX, I received an email from Mr. Cooper stating that my payment had been posted. I checked to see if my XXXX payment had been posted correctly. It had. They showed that {$500.00} had been applied to principle along with the additional {$600.00} that I had sent. The principle balance showed as {$140000.00}. This morning, I received another email saying that my XXXX payment had been posted. Only, this time, this time, there are four new entries. They cancelled out the original posting, and lowered the principle payment to {$500.00} along my {$600.00} additional payment, but now, the principle balance is {$140000.00}. The balance is now {$860.00} higher than what it was before. JUST WHAT IS GOING ON!! As I said before, it is high time for Mr. Cooper to be audited. How many other people are they cheating out of their money?? 

Also, my original complaint against Mr. Cooper has not been resolved. My {$1200.00} additional principle payment from XXXX still has not been applied to my account. I have not received a reply from XXXX XXXX concerning the {$450.00} in legal fees that she claims that I owe, when the trustee of the bankrupty had already paid it. 

I made two attachments. I don't see where they are attached.
Product: Credit card

I bought a water heater from Lowe 's and used a zero percent credit card to finance it. Attached is a spreadsheet that enumerates what was charged to my credit card. The re-billing and crediting was not authorized by me. And, as you can see it does not add up to the total on my credit card. My balance is higher by {$51.00} the exact amount of my direct delivery credit. The store claims that I WAS owed that credit and that I DID get it. 
I have attached the reconciliation and a copy of my most recent statement proving the discrepancy. 

I am tired of being lied to and misdirected. I want this unauthorized change removed from my card. The total interest free period is about to be up and I will NOT pay interest on the {$51.00}, which I have not intention of paying. 

Please help me resolve this issue. I think these people are crooks. 
XXXX XXXX
Product: Mortgage

Mortgage Account Number : XXXX. 

This is in reference to the original Complaint : XXXX filed by the Borrower with CFPB on XX/XX/XXXX. The Lenders response was not conclusive and the Lender Placed Insurance enforced by the Lender on XX/XX/XXXX was unbeknownst to the Borrower which was done in a clandestine manner and totally absurd. 

Subsequently, borrower approached XXXX XXXX Senior Vice President, Wells Fargo Home Lending and received the same scanty and sketchy statements from 3 different individuals. In view of the above, Borrower is forced to approach CFPB once again and to look into this matter carefully and request a proper resolution in this matter before closing this file. 

Below mentioned is a summary of the subject matter and the communication between the Lender and the Borrower : 1. There was a lapse in the Insurance Coverage from XX/XX/XXXX which was notified by the Lender to the Borrower on XX/XX/XXXX. 

2. Borrower managed to procure the Insurance Coverage with XXXX XXXX  Policy Number : XXXX, with effect from XX/XX/XXXX to XX/XX/XXXX and provided the relevant details to the Lender during the month of XX/XX/XXXX. This was confirmed by the Lender and both parties agree to the above facts and there is no dispute in this matter. 

3. Lender demanded Proof of insurance coverage for the lapsed period which was not possible and this was clearly known to the Lender. It is impossible for a Home Owner to purchase Insurance Coverage for a lapsed period anywhere in US and anywhere under the Sun. However, there are various Proxy Insurance companies used by Lenders to enforce Lender Placed Insurance on hapless Homeowners under the pretext of LPI and this particular company is specifically used by Wells Fargo and working at their behest. 

4. On XX/XX/XXXX Borrower demanded Payoff Statement from the Lender and in return on XX/XX/XXXX Lender provided with an additional burden {$4800.00} to my existing Mortgage Account when the outstanding principal balance was only {$14000.00}. 

5. This was a covert attempt executed in a clandestine manner to enforce the Lender placed insurance under the pretext of lapsed period Insurance coverage to my Mortgage account. This whole action was totally unwarranted and it is clearly evident from the above that the Lender acted in an unfair manner. Florida Law does recognize an implied covenant of good faith and fair dealing in every Contract which is clearly mentioned in Florida Statue 624.155 6. Attached herewith is an Abstract of the Mortgage Agreement Property Insurance which is self-explanatory and shown as Exhibit A. 

7. This Agreement doesnt authorize the Lender to enforce Lender Placed Insurance for a lapsed period.